Steele County property record for 823 S Cedar Ave, Owatonna, MN 55060
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,781 sqft · built 1913 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (Oct 2021) |
| Tax Bill | $3,002 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17-101-0816 |
| Primary APN | 17-101-0816 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 1,781 sqft Finished Area |
| Basement Area | 475 sqft |
| Finished Basement | 475 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Metal |
| Foundation Type | Block |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 823 S CEDAR AVE |
|---|---|
| City | OWATONNA |
| State | MN |
| Zip | 55060-3209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PHELPS ADDITION BLK 8 N 3R OF S 6R OF LOT 10 PHELPS |
| Legal Section | TW |
| Legal Subdivision | PHELPS ADDITION |
| Legal Block | 8 |
| Legal Lot Number | 10 |
| Jurisdiction | STEELE MN |
| Township / Civil Division | OWATONNA |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 960600 |
Source: Steele County records, as of October 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 823 S CEDAR AVE, OWATONNA, MN 55060-3209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2021 · Amount on File |
| Deed Sale | Oct 1, 2021 · Amount on File |
| Deed Document Number | 2021438896 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEELE MN |
| Recording Date | Oct 1, 2021 |
| Property Address | 823 S CEDAR AVE, OWATONNA, MN 55060-3209 |
| Document Number | A000438896 |
| Instrument Date | Sep 30, 2021 |
| Instrument | A000438896 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $726.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 823 S CEDAR AVE, OWATONNA, MN 55060-3209 |
| Document Number | A000438897 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | A000438897 |
| Name | TOWNE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Steele County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Steele County |
| Municipality | Owatonna City |
| Unified School District | Owatonna Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,002.00 (+10.29%) Homeowner's exemption | $229,700 (+4.17%) Land $25,500 Building $204,200 | $229,700 (+4.17%) Land $25,500 Building $204,200 |
| 2025 | $220,500 (+13.84%) Land $24,500 Building $196,000 | $220,500 (+13.84%) Land $24,500 Building $196,000 | |
| 2023 | $2,722.00 Homeowner's exemption | $193,700 Land $20,600 Building $173,100 | $193,700 Land $20,600 Building $173,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 11, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 23 (1979–2024) |
| Claims Outside the SFHA | 3 of 23 |
| Most Recent Claim | Jun 2024 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Owatonna serves 26,430 people · EPA ID MN1740007 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 518 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| GigFire Fixed Wireless | 150 / 130 |
| Midco Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Minnesota WiFi, Verizon.
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