206 E 15th St, Saint Charles, MN 55972 Property Records

Winona County property record for 206 E 15th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1900
Lot Size	0.206 acres (8,973 sqft)
Owner	Individual Name on Record
Tax Bill	$1,174 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2018 Line of Credit
APN	`29.010.1070`

Property Details

APN / Parcel Number

Primary APN	`29.010.1070`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	720 sqft Living Area
1st Floor Area	720 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1986
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Stone
Roof Type	Cathedral/Clerestory
Roof Material	Asphalt
Lot Area	8,973 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	1,480 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	206 E 15TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 BIRGES 1ST ADD LOT-006 BLOCK-018 WLY 60' LOTS 6,7,8
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	BIRGES 1ST ADD
Legal Block	18
Legal Lot Number	6-8
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1015
Census Tract	671000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	206 E 15TH ST, SAINT CHARLES, MN 55972-1520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit FORESIGHT BANK
Jul 23, 2018	Deed of Trust, Mortgage · Line of Credit FORESIGHT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Jun 8, 2026
Property Address	206 E 15TH ST, SAINT CHARLES, MN 55972-1520
Document Number	0000667103
Instrument Date	Jun 3, 2026
Instrument	2026667103
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 E 15TH ST, SAINT CHARLES, MN 55972-1520

Mortgage

Document Number	0000667103,
Date	Jun 8, 2026
Instrument	2026667103

Lender

Name	FORESIGHT BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 3, 2041

Interest

Rate Type	Balloon
Rate	5.72%
Initial Type	Balloon
Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	206 E 15TH ST, SAINT CHARLES, MN 55972-1520
Transaction Type	Mortgage
Record Updated	Sep 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	611444
Date	Jul 23, 2018
Instrument	611444

Lender

Name	FORESIGHT BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 10, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,174.00 (+16.47%) Homeowner's exemption	$128,400 (+4.22%) Land $36,600 Building $91,800	$128,400 (+4.22%) Land $36,600 Building $91,800
2025		$123,200 (+1.07%) Land $34,900 Building $88,300	$123,200 (+1.07%) Land $34,900 Building $88,300
2023	$1,008.00 Homeowner's exemption	$121,900 Land $34,500 Building $87,400	$121,900 Land $34,500 Building $87,400

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	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 365 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, Fixed Wireless in parts of the area	1,000 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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