113 Circle Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 113 Circle Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,040 sqft · built 1978
Lot Size	0.269 acres (11,718 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Nov 2022)
Tax Bill	$2,732 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Jul 2018 Sale & Mortgage
APN	`29.085.0150`

Property Details

APN / Parcel Number

Primary APN	`29.085.0150`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,718 sqft (0.269 acres)
Lot Dimensions	12.9 ft deep x 9.1 ft wide
Garage Area	624 sqft
Deck Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	113 CIRCLE DR
City	SAINT CHARLES
State	MN
Zip	55972-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-18 TWP-106 RANGE-010 VALLEY BROOK EST. 1ST ADD LOT-002 BLOCK-004
Legal Range	010
Legal Township	106
Legal Section	18
Legal Subdivision	VALLEY BROOK
Legal Block	4
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3014
Census Tract	671000

Owner

113 Circle Dr is owned and occupied by an individual who bought it in November 2022.

Source: Winona County records, as of September 4, 2026

Owner of Record	Individual Name on File
Mailing Address	113 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 23, 2022	Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC
Jul 12, 2018	Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2022 · Amount on File
Deed Sale	Nov 23, 2022 · Amount on File
Prior Sale	Jul 12, 2018 · Amount on File
Deed Document Number	2022646339
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Nov 23, 2022
Property Address	113 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Document Number	000A646339
Instrument Date	Nov 18, 2022
Instrument	A646339
Transaction Type	Transfer
Record Updated	Dec 8, 2022
Title Company	LEGAL TITLE, LEGAL & TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$709.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 CIRCLE DR, SAINT CHARLES, MN 55972-1043

Mortgage

Document Number	000A646340
Date	Nov 23, 2022
Instrument	A646340

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WINONA MN
Recording Date	Jul 12, 2018
Property Address	113 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Document Number	611255
Instrument Date	Jul 9, 2018
Instrument	611255
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.85
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	113 CIRCLE DR, SAINT CHARLES, MN 55972-1043

Mortgage

Document Number	611256
Date	Jul 12, 2018
Instrument	611256

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 113 Circle Dr was $2,732 with a homeowner's exemption.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,732.00 Homeowner's exemption	$251,700 (+7.24%) Land $47,200 Building $204,500	$251,700 (+7.24%) Land $47,200 Building $204,500
2025		$234,700 Land $44,900 Building $189,800	$234,700 Land $44,900 Building $189,800
2023	$2,524.00 Homeowner's exemption	$238,300 Land $44,500 Building $193,800	$238,300 Land $44,500 Building $193,800

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

Flood

FEMA has no flood map on file for 113 Circle Dr; there have been 3 flood claims nearby since 2007.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 3 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

The area around 113 Circle Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Water System	Saint Charles serves 3,825 people · EPA ID MN1850009
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2024–2026) 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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