112 Circle Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 112 Circle Dr, Saint Charles, MN 55972 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,376 sqft · built 1991
Lot Size	0.263 acres (11,456 sqft)
Owner	2 Individual Names on File
Last Sale	$229,000 (Sep 2019)
Tax Bill	$1,620 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Jul 2021 Line of Credit + 2 more
APN	`29.085.0230`

Property Details

APN / Parcel Number

Primary APN	`29.085.0230`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
1st Floor Area	1,376 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1999
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,456 sqft (0.263 acres)
Lot Dimensions	15.3 ft deep x 7.5 ft wide
Garage Area	576 sqft
Deck Area	168 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	112 CIRCLE DR
City	SAINT CHARLES
State	MN
Zip	55972-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-18 TWP-106 RANGE-010 VALLEY BROOK EST. 1ST ADD LOT-001 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	18
Legal Subdivision	VALLEY BROOK
Legal Block	1
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3013
Census Tract	671000

Owner

Source: Winona County records · APN 29.085.0230

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	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2024	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Jul 12, 2021	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Sep 04, 2019	Warranty Deed, Transfer · VA Mortgage MERCHANTS BANK NA
Aug 05, 2019	Deed of Trust, Mortgage · Line of Credit ALTRA FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 04, 2019 · Amount on Record
Deed Sale	Sep 04, 2019 · Amount on Record
Prior Sale	May 05, 2016 · Amount on Record
Deed Document Number	2019619102
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040

Mortgage

Document Number	000A654359
Date	Apr 24, 2024
Instrument	A654359

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040
Transaction Type	Mortgage
Record Updated	Aug 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040

Mortgage

Document Number	635300
Date	Jul 12, 2021
Instrument	635300

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Sep 04, 2019
Property Address	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040
Document Number	619102
Instrument Date	Aug 28, 2019
Instrument	619102
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$755.70
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	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040

Mortgage

Document Number	619103
Date	Sep 04, 2019
Instrument	619103

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	112 CIRCLE DR, SAINT CHARLES, MN 55972-1040
Transaction Type	Mortgage
Record Updated	Aug 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	618425
Date	Aug 05, 2019
Instrument	618425

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 04, 2049

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	St. Charles City
Unified School District	St. Charles 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	$1,620.00 (+28.16%)
2025		$275,400 (-1.89%) Land $44,900 Building $230,500	$275,400 (-1.89%) Land $44,900 Building $230,500
2023	$1,264.00 Homeowner's exemption	$280,700 Land $44,500 Building $236,200	$280,700 Land $44,500 Building $236,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271696710003, 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Aug 2007 · 3 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 180 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Hiawatha Broadband Communications	Cable	1,000 / 30
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

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

Mobile Coverage

5G and 4G LTE

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