940 Clover Ln SE, Owatonna, MN 55060 Property Records

Steele County property record for 940 Clover Ln SE, Owatonna, MN 55060

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,008 sqft · built 1998
Lot Size	0.312 acres (13,591 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2005)
Tax Bill	$6,560 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-447-0206`

Property Details

APN / Parcel Number

Primary APN	`17-447-0206`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,008 sqft Living Area
Basement Area	1,291 sqft
Finished Basement	1,291 sqft
Unfinished Basement	1,291 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,591 sqft (0.312 acres)
Garage Type	Attached
Garage Area	969 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	940 CLOVER LN SE
City	OWATONNA
State	MN
Zip	55060-4618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOW LANDS BLK 2 LOT 6 MEADOW LANDS ADDN
Legal Section	TW
Legal Subdivision	MEADOW LANDS
Legal Block	2
Legal Lot Number	6
Jurisdiction	STEELE MN
Township / Civil Division	OWATONNA
Census Block Group	4
Census Block	4019
Census Tract	960700

Owner

940 Clover Ln SE is owned and occupied by two individuals who acquired it in August 2019.

Source: Steele County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2019	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Sep 9, 2019	Quit Claim Deed, Transfer Quitclaim
Jul 27, 2018	Quit Claim Deed, Transfer NORTH AMERICAN TITLE
Jul 17, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2005 · Amount on File
Deed Sale	Nov 15, 2005 · Amount on File
Deed Document Number	2005336910
Last Transfer Date	Aug 24, 2019
Transfer Doc	0000425341
Record Updated	Oct 29, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEELE MN
Recording Date	Sep 6, 2019
Property Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618
Document Number	A000025299
Instrument Date	Aug 24, 2019
Instrument	A000025299
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618

Mortgage

Document Number	A00025300
Date	Sep 6, 2019
Instrument	A00025300

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEELE MN
Recording Date	Sep 9, 2019
Property Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618
Document Number	A000425341
Instrument Date	Aug 24, 2019
Instrument	A000425341
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEELE MN
Recording Date	Jul 27, 2018
Property Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618
Document Number	A000419410
Instrument Date	Jul 19, 2018
Instrument	A000419410
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEELE MN
Recording Date	Jul 17, 2018
Property Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618
Document Number	A000419228
Instrument Date	Jul 11, 2018
Instrument	A000419228
Transaction Type	Transfer
Record Updated	Sep 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 CLOVER LN SE, OWATONNA, MN 55060-4618

Mortgage

Document Number	A000419229
Date	Jul 17, 2018
Instrument	A000419229

Lender

Name	QUICKEN LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 940 Clover Ln SE was $6,560 with a homeowner's exemption.

Source: Steele County assessment roll, as of October 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,560.00 Homeowner's exemption	$468,800 (+6.04%) Land $59,600 Building $409,200	$468,800 (+6.04%) Land $59,600 Building $409,200
2025		$442,100 Land $65,100 Building $377,000	$442,100 Land $65,100 Building $377,000
2023	$6,258.00 Homeowner's exemption	$415,700 Land $55,100 Building $360,600	$415,700 Land $55,100 Building $360,600

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

Flood

FEMA maps place 940 Clover Ln SE in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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	2 in force
Nearby Flood Claims	1 (2007)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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

Wildfire risk around 940 Clover Ln SE is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20

May also be available: Minnesota WiFi.

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