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

Winona County property record for 325 E 13th St, Saint Charles, MN 55972 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1962
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Sep 2024)
Tax Bill	$1,904 (2026)
Deeds & Mortgages	Sep 2022 Sale Aug 2022 Transfer + 1 more
APN	`29.000.1080`

Property Details

APN / Parcel Number

Primary APN	`29.000.1080`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Living Area
1st Floor Area	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	90 ft deep x 73 ft wide
Garage Type	Detached - Finished
Garage Area	720 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	325 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-045 LIMITS E 73'
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	45
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2057
Census Tract	671000

Owner

Source: Winona County records · APN 29.000.1080

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	Individual Name on File
Mailing Address	325 E 13TH ST, SAINT CHARLES, MN 55972-1509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 02, 2022	Warranty Deed, Transfer
Aug 22, 2022	Affidavit of Death of Joint Tenant, Transfer
May 25, 2021	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 18, 2024 · Amount on Record
Deed Sale	Sep 18, 2024 · Amount on Record
Prior Sale	Sep 01, 2022 · Amount on Record
Deed Document Number	2024656718
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Sep 02, 2022
Property Address	325 E 13TH ST, SAINT CHARLES, MN 55972-1509
Document Number	000A644975
Instrument Date	Sep 01, 2022
Instrument	A644975
Transaction Type	Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount Recorded
Tax	$552.09
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29337 HIGHWAY 74, SAINT CHARLES, MN 55972-4055

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Aug 22, 2022
Property Address	325 E 13TH ST, SAINT CHARLES, MN 55972-1509
Document Number	000A644733
Instrument Date	Aug 15, 2022
Instrument	A644733
Transaction Type	Transfer
Record Updated	Sep 08, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12152 EQUINE DR, SAINT CHARLES, MN 55972-4290

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	325 E 13TH ST, SAINT CHARLES, MN 55972-1509
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 E 13TH ST, SAINT CHARLES, MN 55972-1509

Mortgage

Document Number	634158
Date	May 25, 2021
Instrument	634158

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 12, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 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

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	$1,904.00 (+20.66%)
2025		$175,500 (+1.92%) Land $31,300 Building $144,200	$175,500 (+1.92%) Land $31,300 Building $144,200
2023	$1,578.00 Homeowner's exemption	$172,200 Land $31,000 Building $141,200	$172,200 Land $31,000 Building $141,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Low above 3% of the US · above 11% 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; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 365 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Hiawatha Broadband Communications	Cable	1,000 / 30
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Hiawatha Broadband Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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