Winona County property record for 28400 Sinclair Rd, Saint Charles, MN 55972 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,844 sqft · built 2007 |
| Lot Size | 5.34 acres (232,610 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Dec 2017) |
| Tax Bill | $3,206 (2026) |
| Deeds & Mortgages | Dec 2017 Line of Credit Apr 2020 Mortgage + 3 more |
| APN | 14.000.0330 |
| Primary APN | 14.000.0330 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,844 sqft Living Area |
| 1st Floor Area | 1,316 sqft |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 232,610 sqft (5.34 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 576 sqft |
| Pole Barn | 1,224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 28400 SINCLAIR RD |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-4003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-05 TWP-105 RANGE-010 5.34 AC PART E 45 AC N 1/2 SE 1/4 COMM NE COR SE 1/4 N 89 DEG W ALONG N LINE SE 1/4 667' PT OF BEG |
| Legal Range | 010 |
| Legal Township | 105 |
| Legal Section | 05 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | SARATOGA |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 671000 |
Source: Winona County records · APN 14.000.0330
Assessment roll updated August 5, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 28400 SINCLAIR RD, SAINT CHARLES, MN 55972-4003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2017 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK |
| Apr 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA |
| May 05, 2020 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Dec 11, 2017 | Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA |
| Nov 03, 2017 | Warranty Deed, Transfer · Line of Credit MERCHANTS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 11, 2017 · Amount on Record |
| Deed Sale | Dec 11, 2017 · Amount on Record |
| Prior Sale | Nov 03, 2017 · Amount on Record |
| Deed Document Number | 2017607183 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 28400 SINCLAIR RD, SAINT CHARLES, MN 55972-4003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 607456 |
|---|---|
| Date | Dec 22, 2017 |
| Instrument | 607456 |
| Name | MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 02, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 28400 SINCLAIR RD, SAINT CHARLES, MN 55972-4003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 623628 |
|---|---|
| Date | Apr 06, 2020 |
| Instrument | 623628 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | WINONA, MN 55987 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 28400 SINCLAIR RD, SAINT CHARLES, MN 55972-4003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 624208 |
|---|---|
| Date | May 05, 2020 |
| Instrument | 624208 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Dec 11, 2017 |
| Property Address | 28400 SINCLAIR RD, SAINT CHARLES, MN 55972-4003 |
| Document Number | 607183 |
| Instrument Date | Nov 28, 2017 |
| Instrument | 607183 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $775.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1112 BLUFF AVE, SAINT CHARLES, MN 55972-1502 |
| Document Number | 607185 |
|---|---|
| Date | Dec 11, 2017 |
| Instrument | 607185 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Nov 03, 2017 |
| Property Address | 28400 SINCLAIR RD, SAINT CHARLES, MN 55972-4003 |
| Document Number | 606500 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 606500 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,650.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23584 COUNTY ROAD 37, SAINT CHARLES, MN 55972-4144 |
| Document Number | 606501 |
|---|---|
| Date | Nov 03, 2017 |
| Instrument | 606501 |
| Name | MERCHANTS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Oct 16, 2022 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| County Subdivision | Saratoga Township |
| Unified School District | St. Charles Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,206.00 (+8.46%) | ||
| 2025 | $393,400 (+7.57%) Land $104,100 Building $289,300 | $393,400 (+7.57%) Land $104,100 Building $289,300 | |
| 2023 | $2,956.00 Homeowner's exemption | $365,700 Land $93,000 Building $272,700 | $365,700 Land $93,000 Building $272,700 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271696710001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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, rainfall accumulation, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 5% of the US · above 18% of Minnesota |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fixed Wireless | 300 / 20 |
| LTD Broadband | Fixed Wireless (licensed-by-rule) | 150 / 130 |
| Hiawatha Broadband Communications | Fixed Wireless (unlicensed) | 100 / 20 |
| Lumen Technologies | DSL | 10 / 1 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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