12152 Cocker Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 12152 Cocker Dr, Saint Charles, MN 55972

Property Summary

Property Type	General Agricultural/Rural
Details	7 bd · 3,716 sqft · built 1974
Lot Size	113 acres (4,940,575 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,075,000 (Jun 2019)
Tax Bill	$7,000 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2019 Sale & Line of Credit
APN	`14.000.1850`

Property Details

APN / Parcel Number

Primary APN	`14.000.1850`

Interior

Bedrooms	7 Beds
Stories	1 Story
Building Area	3,716 sqft Total Area
1st Floor Area	1,680 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	4,940,575 sqft (113 acres)
Garage Area	390 sqft

Exterior Amenities

Porch	Open Porch
Deck Area	192 sqft
Shed	1 Shed
Shed Area	4,050 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater

Location & Zoning

Street Address	12152 COCKER DR
City	SAINT CHARLES
State	MN
Zip	55972-4251
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Local Zoning Code	ANR
Legal Description	SECT-28 TWP-105 RANGE-010 113.42 AC 120 AC S 3/4 OF NW 1/4 EX: N 660' OF W 434' (YODER)
Legal Range	010
Legal Township	105
Legal Section	28
Jurisdiction	WINONA MN
Township / Civil Division	SARATOGA
Census Block Group	1
Census Block	1078
Census Tract	671000

Owner

Source: Winona County records, as of September 4, 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 Record
Mailing Address	12152 COCKER DR, SAINT CHARLES, MN 55972-4251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2019	Deed of Trust, Mortgage · USDA Mortgage UNITED STATES OF AMERICA
Jun 7, 2019	Warranty Deed, Transfer · Line of Credit MANUFACTURERS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Deed Document Number	2019617211
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	12152 COCKER DR, SAINT CHARLES, MN 55972-4251
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000617213
Date	Jun 7, 2019
Instrument	617213

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	PRESTON, MN 55965

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 6, 2039

Interest

Rate	1.5%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 7, 2019
Property Address	12152 COCKER DR, SAINT CHARLES, MN 55972-4251
Document Number	617211
Instrument Date	Jun 6, 2019
Instrument	617211
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,547.50
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	12152 COCKER DR, SAINT CHARLES, MN 55972-4251

Mortgage

Document Number	617212
Date	Jun 7, 2019
Instrument	617212

Lender

Name	MANUFACTURERS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Mortgage

Document Number	0000617228
Date	Jun 7, 2019
Instrument	617228

Lender

Name	MANUFACTURERS BANK & TRUST COMPANY
Type	Non-Lending Institution
Address	ROCHESTER, MN 55901

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Winona County
County Subdivision	Saratoga Township
Unified School District	St. Charles Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,000.00 (+17.37%) Homeowner's exemption	$1,745,000 (+3.32%) Land $1,181,100 Building $563,900	$1,745,000 (+3.32%) Land $1,181,100 Building $563,900
2025		$1,688,900 (+19.7%) Land $1,181,100 Building $507,800	$1,688,900 (+19.7%) Land $1,181,100 Building $507,800
2023	$5,964.00 Homeowner's exemption	$1,410,900 Land $938,900 Building $472,000	$1,410,900 Land $938,900 Building $472,000

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	37 (1982–2007)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 10 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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Hiawatha Broadband Communications Fixed Wireless	100 / 20

May also be available: Mediacom Xtream.

Cell Coverage

5G (outdoors only) and 4G LTE

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