861 E King St, Winona, MN 55987 Property Records

Winona County property record for 861 E King St, Winona, MN 55987

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,376 sqft · built 1880
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (May 2022)
Tax Bill	$1,520 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2026 Line of Credit + 2 more
APN	`32.200.6870`

Property Details

APN / Parcel Number

Primary APN	`32.200.6870`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	192 sqft
Finished Basement	192 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	748 sqft

Exterior Amenities

Porch	Porch
Porch Area	192 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	861 E KING ST
City	WINONA
State	MN
Zip	55987-4715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-25 TWP-107 RANGE-007 HAMILTON ADDITION LOT-004 BLOCK-007 E C HAMILTONS ADDITION
Legal Range	007
Legal Township	107
Legal Section	25
Legal Subdivision	HAMILTON ADDITION
Legal Block	7
Legal Lot Number	4
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2037
Census Tract	670700

Owner

Source: Winona County records, as of September 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	861 E KING ST, WINONA, MN 55987-4715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK
Jan 26, 2026	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
May 6, 2022	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU
Dec 28, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	2022642548
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Jul 15, 2026
Property Address	861 E KING ST, WINONA, MN 55987-4715
Document Number	0000667846
Instrument Date	Jul 10, 2026
Instrument	2026667846
Transaction Type	Mortgage
Record Updated	Sep 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 E KING ST, WINONA, MN 55987-4715

Mortgage

Document Number	0000667846,
Date	Jul 15, 2026
Instrument	2026667846

Lender

Name	MERCHANTS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	861 E KING ST, WINONA, MN 55987-4715
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 E KING ST, WINONA, MN 55987-4715

Mortgage

Document Number	000A664909
Date	Jan 26, 2026
Instrument	A664909

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 25, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 6, 2022
Property Address	861 E KING ST, WINONA, MN 55987-4715
Document Number	000A642548
Instrument Date	Mar 24, 2022
Instrument	A642548
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	861 E KING ST, WINONA, MN 55987-4715

Mortgage

Document Number	000A642549
Date	May 6, 2022
Instrument	A642549

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT
Max Rate	9.87%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 28, 2021
Property Address	861 E KING ST, WINONA, MN 55987-4715
Document Number	000A639737
Instrument Date	Dec 21, 2021
Instrument	A639737
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount Recorded
Tax	$227.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20687 COUNTY ROAD 33, ALTURA, MN 55910-2800
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Winona County assessment roll, as of September 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
Municipality	Winona City
Unified School District	Winona Area Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,520.00 (+66.67%) Homeowner's exemption	$145,700 (+3.41%) Land $41,600 Building $104,100	$145,700 (+3.41%) Land $41,600 Building $104,100
2025		$140,900 (+4.14%) Land $41,600 Building $99,300	$140,900 (+4.14%) Land $41,600 Building $99,300
2023	$912.00 Homeowner's exemption	$135,300 Land $40,000 Building $95,300	$135,300 Land $40,000 Building $95,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 11 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Winona serves 27,782 people · EPA ID MN1850013
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 841 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Hiawatha Broadband Communications, Verizon.

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