1313 Sunset Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 1313 Sunset Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,046 sqft · built 1977
Lot Size	0.308 acres (13,416 sqft)
Owner	2 Individual Names on File
Last Sale	$234,900 (Sep 2021)
Tax Bill	$2,872 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Mortgage + 2 more
APN	`29.075.0140`

Property Details

APN / Parcel Number

Primary APN	`29.075.0140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,046 sqft Living Area
1st Floor Area	70 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1997
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Log
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,416 sqft (0.308 acres)
Lot Dimensions	158 ft deep x 85 ft wide
Garage Area	1,248 sqft
Deck Area	297 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1313 SUNSET DR
City	SAINT CHARLES
State	MN
Zip	55972-1623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 SMITH'S 2ND ADDITION LOT-002 BLOCK-003
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	SMITHS 2ND ADDITION
Legal Block	3
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2064
Census Tract	671000

Owner

1313 Sunset Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1313 SUNSET DR, SAINT CHARLES, MN 55972-1623
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 7, 2021	Deed of Trust, Mortgage ALTRA FCU
Oct 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Sep 13, 2021	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Aug 17, 2017	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Aug 17, 2017 · Amount on File
Deed Document Number	2021636889
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	1313 SUNSET DR, SAINT CHARLES, MN 55972-1623
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000634494
Date	Jun 7, 2021
Instrument	634494

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	1313 SUNSET DR, SAINT CHARLES, MN 55972-1623
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000619732
Date	Oct 1, 2019
Instrument	619732

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2039

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Sep 13, 2021
Property Address	1313 SUNSET DR, SAINT CHARLES, MN 55972-1623
Document Number	0000636889
Instrument Date	Aug 2, 2021
Instrument	636889
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.17
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 Venture
Address	1313 SUNSET DR, SAINT CHARLES, MN 55972-1623
Investor	Possibly a Property Investor

Mortgage

Document Number	0000636890
Date	Sep 13, 2021
Instrument	636890

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 17, 2017
Property Address	1313 SUNSET DR, SAINT CHARLES, MN 55972-1623
Document Number	0000604803
Instrument Date	Aug 15, 2017
Instrument	604803
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$508.20
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1313 SUNSET DR, SAINT CHARLES, MN 55972-1623

Mortgage

Document Number	0000604804
Date	Aug 17, 2017
Instrument	604804

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 1313 Sunset Dr was $2,872 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	$2,872.00 Homeowner's exemption	$261,600 (+6.91%) Land $49,200 Building $212,400	$261,600 (+6.91%) Land $49,200 Building $212,400
2025		$244,700 Land $46,900 Building $197,800	$244,700 Land $46,900 Building $197,800
2023	$2,538.00	$239,700 Land $46,400 Building $193,300	$239,700 Land $46,400 Building $193,300

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 1313 Sunset Dr.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1313 Sunset Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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 162 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 Sunset Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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