863 E 5th St, Winona, MN 55987 Property Records

Winona County property record for 863 E 5th St, Winona, MN 55987 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 930 sqft · built 1933
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Nov 2018)
Tax Bill	$1,510 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2020 Mortgage + 2 more
APN	`32.430.0670`

Property Details

APN / Parcel Number

Primary APN	`32.430.0670`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	930 sqft Living Area
1st Floor Area	930 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	1,512 sqft
Porch	Open Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	863 E 5TH ST
City	WINONA
State	MN
Zip	55987-4656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-25 TWP-107 RANGE-007 RIVERSIDE ADDITION LOT-004 BLOCK-006
Legal Range	007
Legal Township	107
Legal Section	25
Legal Subdivision	RIVERSIDE ADDITION
Legal Block	6
Legal Lot Number	4
Jurisdiction	WINONA MN
Township / Civil Division	WINONA
Census Block Group	2
Census Block	2026
Census Tract	670700

Owner

Source: Winona County records · APN 32.430.0670

Assessment roll updated August 5, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	863 E 5TH ST, WINONA, MN 55987-4656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Nov 06, 2018	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Mar 06, 2017	Deed of Trust, Mortgage · Line of Credit HOME FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 06, 2018 · Amount on Record
Deed Sale	Nov 06, 2018 · Amount on Record
Deed Document Number	2018613572
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	863 E 5TH ST, WINONA, MN 55987-4656
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	633206
Date	Apr 21, 2021
Instrument	633206

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	863 E 5TH ST, WINONA, MN 55987-4656
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	625356
Date	Jun 22, 2020
Instrument	625356

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Nov 06, 2018
Property Address	863 E 5TH ST, WINONA, MN 55987-4656
Document Number	613572
Instrument Date	Oct 25, 2018
Instrument	613572
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	863 E 5TH ST, WINONA, MN 55987-4656

Mortgage

Document Number	613573
Date	Nov 06, 2018
Instrument	613573

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	863 E 5TH ST, WINONA, MN 55987-4656
Transaction Type	Mortgage
Record Updated	Apr 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 601393
Date	Mar 06, 2017
Instrument	601393

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	237 Months
Due	Dec 20, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,510.00 (+25%)
2025		$154,400 (+4.39%) Land $40,600 Building $113,800	$154,400 (+4.39%) Land $40,600 Building $113,800
2023	$1,208.00 Homeowner's exemption	$147,900 Land $39,000 Building $108,900	$147,900 Land $39,000 Building $108,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271696707002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 23 individual NFIP policies nearby
Nearby Flood Policies	23 in force
Nearby Flood Claims	12 (1982–2007)
Most Recent Claim	Aug 2007, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Aug 2007 · 11 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 841 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Hiawatha Broadband Communications, Verizon, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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