125 Pearson Ct, Saint Charles, MN 55972 Property Records

Winona County property record for 125 Pearson Ct, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,406 sqft · built 1998
Lot Size	0.609 acres (26,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,900 (Jun 2017)
Tax Bill	$4,816 (2026)
Deeds & Mortgages	Aug 2020 Line of Credit Jul 2020 Mortgage + 1 more
APN	`29.059.0030`

Property Details

APN / Parcel Number

Primary APN	`29.059.0030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,406 sqft Living Area
1st Floor Area	1,388 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	26,541 sqft (0.609 acres)
Garage Area	748 sqft
Porch	Open Porch
Porch Area	28 sqft
Deck Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	125 PEARSON CT
City	SAINT CHARLES
State	MN
Zip	55972-1282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-30 TWP-106 RANGE-010 PEARSON'S 2ND SUBD LOT-001 BLOCK-002
Legal Range	010
Legal Township	106
Legal Section	30
Legal Subdivision	PEARSONS 2ND
Legal Block	2
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1033
Census Tract	671000

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	125 PEARSON CT, SAINT CHARLES, MN 55972-1282
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Jul 14, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage ALTRA FCU
Jun 12, 2017	Warranty Deed, Transfer · FHA Mortgage BBMC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on Record
Deed Sale	Jun 12, 2017 · Amount on Record
Deed Document Number	2017603296
Last Transfer Date	Jul 7, 2020
Transfer Doc	625892
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	125 PEARSON CT, SAINT CHARLES, MN 55972-1282
Transaction Type	Mortgage
Record Updated	Jul 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626544
Date	Aug 11, 2020
Instrument	626544

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Jul 14, 2020
Property Address	125 PEARSON CT, SAINT CHARLES, MN 55972-1282
Document Number	625892
Instrument Date	Jul 7, 2020
Instrument	625892
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TTL UNITED LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	125 PEARSON CT, SAINT CHARLES, MN 55972-1282

Mortgage

Document Number	625891
Date	Jul 14, 2020
Instrument	625891

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 12, 2017
Property Address	125 PEARSON CT, SAINT CHARLES, MN 55972-1282
Document Number	603296
Instrument Date	Jun 2, 2017
Instrument	603296
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 PEAKEN DR, ST CHARLES, MN 55972

Mortgage

Document Number	603297
Date	Jun 12, 2017
Instrument	603297

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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	$4,816.00 (+17.52%) Homeowner's exemption	$414,400 (+7.97%) Land $61,000 Building $353,400	$414,400 (+7.97%) Land $61,000 Building $353,400
2025		$383,800 (+1.53%) Land $58,100 Building $325,700	$383,800 (+1.53%) Land $58,100 Building $325,700
2023	$4,098.00 Homeowner's exemption	$378,000 Land $57,500 Building $320,500	$378,000 Land $57,500 Building $320,500

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 95% of the US · lower than 84% 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	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 78 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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