Winona County property record for 124 Circle Dr, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,314 sqft · built 1990 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,542 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| APN | 29.085.0250 |
| Primary APN | 29.085.0250 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,314 sqft Living Area |
| 1st Floor Area | 1,314 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 16 ft deep x 7.5 ft wide |
| Garage Area | 576 sqft |
| Deck Area | 240 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 124 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-003 BLOCK-001 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 18 |
| Legal Subdivision | VALLEY BROOK |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 671000 |
124 Circle Dr is owned and occupied by two individuals.
Source: Winona County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 124 CIRCLE DR, SAINT CHARLES, MN 55972-1040 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 124 CIRCLE DR, SAINT CHARLES, MN 55972-1040 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 124 CIRCLE DR, SAINT CHARLES, MN 55972-1040 |
| Document Number | 000A651997 |
|---|---|
| Date | Nov 16, 2023 |
| Instrument | A651997 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 16, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 124 Circle Dr was $3,542 with a homeowner's exemption.
Source: Winona County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,542.00 Homeowner's exemption | $315,300 (+7.76%) Land $47,200 Building $268,100 | $315,300 (+7.76%) Land $47,200 Building $268,100 |
| 2025 | $292,600 Land $44,900 Building $247,700 | $292,600 Land $44,900 Building $247,700 | |
| 2023 | $3,010.00 Homeowner's exemption | $292,200 Land $44,500 Building $247,700 | $292,200 Land $44,500 Building $247,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 124 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 |
|
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.
The area around 124 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.
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 |
| 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.
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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