128 Pearson Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 128 Pearson Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,209 sqft · built 1998
Lot Size	0.377 acres (16,460 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,488 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2020 Mortgage + 1 more
APN	`29.059.0010`

Property Details

APN / Parcel Number

Primary APN	`29.059.0010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,209 sqft Living Area
1st Floor Area	1,196 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,460 sqft (0.377 acres)
Garage Area	1,456 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	42 sqft
Deck Area	Deck Area
Patio Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	128 PEARSON DR
City	SAINT CHARLES
State	MN
Zip	55972-1280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-30 TWP-106 RANGE-010 PEARSON'S 2ND SUBD LOT-001 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	30
Legal Subdivision	PEARSONS 2ND
Legal Block	1
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1034
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	128 PEARSON DR, SAINT CHARLES, MN 55972-1280
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · Line of Credit STERLING STATE BANK
Dec 7, 2020	Deed of Trust, Mortgage · Commercial Mortgage STERLING STATE BANK
May 28, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 28, 2021
Transfer Doc	0000634259
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Jun 5, 2026
Property Address	128 PEARSON DR, SAINT CHARLES, MN 55972-1280
Document Number	0000667057
Instrument Date	Jun 1, 2026
Instrument	2026667057
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 PEARSON DR, SAINT CHARLES, MN 55972-1280

Mortgage

Document Number	0000667057,
Date	Jun 5, 2026
Instrument	2026667057

Lender

Name	STERLING STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	128 PEARSON DR, SAINT CHARLES, MN 55972-1280
Transaction Type	Mortgage
Record Updated	Dec 27, 2021
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000629539
Date	Dec 7, 2020
Instrument	629539

Lender

Name	STERLING STATE BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

May 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINONA MN
Recording Date	May 28, 2021
Property Address	128 PEARSON DR, SAINT CHARLES, MN 55972-1280
Document Number	0000634259
Instrument Date	Nov 25, 2020
Instrument	634259
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$4,488.00 (+20.65%) Homeowner's exemption	$389,100 (+7.96%) Land $61,000 Building $328,100	$389,100 (+7.96%) Land $61,000 Building $328,100
2025		$360,400 (+1.64%) Land $58,100 Building $302,300	$360,400 (+1.64%) Land $58,100 Building $302,300
2023	$3,720.00 Homeowner's exemption	$354,600 Land $57,500 Building $297,100	$354,600 Land $57,500 Building $297,100

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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