230 E 13th St, Saint Charles, MN 55972 Property Records

Winona County property record for 230 E 13th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,164 sqft · built 1925
Lot Size	0.138 acres (6,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Oct 2025)
Tax Bill	$1,464 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 2 more
APN	`29.010.0380`

Property Details

APN / Parcel Number

Primary APN	`29.010.0380`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	720 sqft
Basement Area	84 sqft
Unfinished Basement	84 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1989
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	6,011 sqft (0.138 acres)
Lot Dimensions	55 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	192 sqft
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	230 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 BIRGES 1ST ADD LOT-001 BLOCK-007 & N 5' LOT 2 EX: 109' THEREOF
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	BIRGES 1ST ADD
Legal Block	7
Legal Lot Number	1-2
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2059
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	2 Individual Names on Record
Mailing Address	230 E 13TH ST, SAINT CHARLES, MN 55972-1508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE AFFINITY LLC
May 23, 2018	Personal Representative Deed, Transfer · Conventional Mortgage THINK MUTUAL BANK
Feb 5, 2018	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Jul 14, 2025 · Amount on Record
Deed Document Number	2025663527
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	230 E 13TH ST, SAINT CHARLES, MN 55972-1508
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A663529
Date	Oct 30, 2025
Instrument	A663529

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	230 E 13TH ST, SAINT CHARLES, MN 55972-1508
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A663528
Date	Oct 30, 2025
Instrument	A663528

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

May 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WINONA MN
Recording Date	May 23, 2018
Property Address	230 E 13TH ST, SAINT CHARLES, MN 55972-1508
Document Number	0000610207
Instrument Date	Apr 27, 2018
Instrument	610207
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$293.37
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
Address	230 E 13TH ST, SAINT CHARLES, MN 55972-1508

Mortgage

Document Number	0000610208
Date	May 23, 2018
Instrument	610208

Lender

Name	THINK MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

February 2018: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Feb 5, 2018
Property Address	230 E 13TH ST, SAINT CHARLES, MN 55972-1508
Document Number	0000608174
Instrument Date	Jan 25, 2018
Instrument	608174
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 RENEA DR ST, CHARLEVOIX, MI

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	$1,464.00 (+22.41%) Homeowner's exemption	$201,100 (+39.94%) Land $33,000 Building $168,100	$201,100 (+39.94%) Land $33,000 Building $168,100
2025		$143,700 (+1.84%) Land $31,400 Building $112,300	$143,700 (+1.84%) Land $31,400 Building $112,300
2023	$1,196.00 Homeowner's exemption	$141,100 Land $31,100 Building $110,000	$141,100 Land $31,100 Building $110,000

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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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