131 Circle Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 131 Circle Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,088 sqft · built 1979
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$336,000 (Jan 2026)
Tax Bill	$3,360 (2026)
Deeds & Mortgages	Jun 2025 Construction Loan Jan 2026 Sale & Mortgage + 3 more
APN	`29.085.0180`

Property Details

APN / Parcel Number

Primary APN	`29.085.0180`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,040 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	12.5 ft deep x 9 ft wide
Garage Area	564 sqft
Deck Area	21 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	131 CIRCLE DR
City	SAINT CHARLES
State	MN
Zip	55972-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-18 TWP-106 RANGE-010 VALLEY BROOK EST. 1ST ADD LOT-005 BLOCK-004
Legal Range	010
Legal Township	106
Legal Section	18
Legal Subdivision	VALLEY BROOK
Legal Block	4
Legal Lot Number	5
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3014
Census Tract	671000

Owner

131 Circle Dr is owned and occupied by an individual who bought it in January 2026.

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

Owner of Record	Individual Name on File
Mailing Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043
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
Jun 13, 2025	Deed of Trust, Mortgage · Construction Mortgage FIRST FARMERS & MERCHANTS NATIONAL BANK
Jan 21, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 7, 2024	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU
Jul 28, 2023	Contract Sale, Transfer PINE FINANCIAL GROUP INC
Jul 28, 2023	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2026 · Amount on File
Deed Sale	Jan 21, 2026 · Amount on File
Prior Sale	Feb 7, 2024 · Amount on File
Deed Document Number	2026664837
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A661044
Date	Jun 13, 2025
Instrument	A661044

Lender

Name	FIRST FARMERS & MERCHANTS NATIONAL BANK
Type	Bank
Address	STEWARTVILLE, MN 55976

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 1, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jan 21, 2026
Property Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Document Number	000A664837
Instrument Date	Jan 14, 2026
Instrument	A664837
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,108.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043

Mortgage

Document Number	000A664838
Date	Jan 21, 2026
Instrument	A664838

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Feb 7, 2024
Property Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Document Number	000A653248
Instrument Date	Feb 5, 2024
Instrument	A653248
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.50
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	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043

Mortgage

Document Number	000A653249
Date	Feb 7, 2024
Instrument	A653249

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

July 2023: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	WINONA MN
Recording Date	Jul 28, 2023
Property Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Document Number	000A650057
Instrument Date	Jul 21, 2023
Instrument	A650057
Transaction Type	Transfer
Record Updated	Aug 23, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$501.60
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	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043

Mortgage

Document Number	000A650058
Date	Jul 28, 2023
Instrument	A650058

Lender

Name	PINE FINANCIAL GROUP INC
Type	Funding / Finance Company

Agreement

Amount	Amount on Record

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Jul 28, 2023
Property Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043
Document Number	000A650053
Instrument Date	Jul 19, 2023
Instrument	A650053
Transaction Type	Transfer
Record Updated	Aug 23, 2023

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
Address	131 CIRCLE DR, SAINT CHARLES, MN 55972-1043

Tax Assessment & Valuation

The 2026 property tax bill for 131 Circle Dr was $3,360.

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	$3,360.00	$282,100 (+8.42%) Land $47,200 Building $234,900	$282,100 (+8.42%) Land $47,200 Building $234,900
2025		$260,200 Land $44,900 Building $215,300	$260,200 Land $44,900 Building $215,300
2023	$2,352.00 Homeowner's exemption	$235,700 Land $44,500 Building $191,200	$235,700 Land $44,500 Building $191,200

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 131 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 131 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.

Nearby Properties on Circle Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures