130 Circle Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 130 Circle Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 1,524 sqft · built 1990
Lot Size	0.266 acres (11,587 sqft)
Owner	2 Individual Names on File
Last Sale	$287,000 (Nov 2020)
Tax Bill	$3,920 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Nov 2020 Sale & Mortgage
APN	`29.085.0260`

Property Details

APN / Parcel Number

Primary APN	`29.085.0260`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
1st Floor Area	984 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2004
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	15.5 ft deep x 7.5 ft wide
Garage Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	450 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	130 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-004 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	18
Legal Subdivision	VALLEY BROOK
Legal Block	1
Legal Lot Number	4
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3013
Census Tract	671000

Owner

130 Circle Dr is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	130 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.

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2023	Deed of Trust, Mortgage · Line of Credit FRANDSEN BANK & TRUST
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF ZUMBROTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2020 · Amount on File
Deed Sale	Nov 23, 2020 · Amount on File
Deed Document Number	2020629178
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	130 CIRCLE DR, SAINT CHARLES, MN 55972-1040
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 CIRCLE DR, SAINT CHARLES, MN 55972-1040

Mortgage

Document Number	000A647521
Date	Feb 13, 2023
Instrument	A647521

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank
Address	PINE ISLAND, MN 55963

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Jan 26, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Nov 23, 2020
Property Address	130 CIRCLE DR, SAINT CHARLES, MN 55972-1040
Document Number	629178
Instrument Date	Nov 20, 2020
Instrument	629178
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	LEGAL TITLE, LEGAL & TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$947.10
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	130 CIRCLE DR, SAINT CHARLES, MN 55972-1040

Mortgage

Document Number	629179
Date	Nov 23, 2020
Instrument	629179

Lender

Name	BANK OF ZUMBROTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 130 Circle Dr was $3,920 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	$3,920.00 Homeowner's exemption	$345,400 (+8.01%) Land $47,200 Building $298,200	$345,400 (+8.01%) Land $47,200 Building $298,200
2025		$319,800 Land $44,900 Building $274,900	$319,800 Land $44,900 Building $274,900
2023	$3,380.00 Homeowner's exemption	$317,500 Land $44,500 Building $273,000	$317,500 Land $44,500 Building $273,000

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 130 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 130 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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