348 E 12th St, Saint Charles, MN 55972 Property Records

Winona County property record for 348 E 12th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1970
Lot Size	0.212 acres (9,235 sqft)
Owner	Individual Name on File
Last Sale	$195,500 (Feb 2022)
Tax Bill	$2,882 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
APN	`29.000.0930`

Property Details

APN / Parcel Number

Primary APN	`29.000.0930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,235 sqft (0.212 acres)
Lot Dimensions	120 ft deep x 5 ft wide
Garage Type	Detached
Garage Area	416 sqft
Deck Area	100 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	348 E 12TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-039 LIMITS PARCEL 77.5' X 120' COMMENCING 175' EAST OF INT OF RICHLAND & 12TH
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	39
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2057
Census Tract	671000

Owner

Source: Winona County records · APN 29.000.0930

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	348 E 12TH ST, SAINT CHARLES, MN 55972-1504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 10, 2022 · Amount on Record
Deed Sale	Feb 10, 2022 · Amount on Record
Deed Document Number	2022640752
Record Updated	Jun 08, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Feb 10, 2022
Property Address	348 E 12TH ST, SAINT CHARLES, MN 55972-1504
Document Number	000A640752
Instrument Date	Feb 04, 2022
Instrument	A640752
Transaction Type	Transfer
Record Updated	Feb 24, 2022
Title Company	ROCHESTER TITLE AND ESCROW COMPANY, ROCHESTER TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$645.15
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 E 12TH ST, SAINT CHARLES, MN 55972-1504

Mortgage

Document Number	000A640753
Date	Feb 10, 2022
Instrument	A640753

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

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	$2,882.00 (+35.43%)
2025		$223,200 (+1.41%) Land $39,000 Building $184,200	$223,200 (+1.41%) Land $39,000 Building $184,200
2023	$2,128.00 Homeowner's exemption	$220,100 Land $38,600 Building $181,500	$220,100 Land $38,600 Building $181,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable	1,000 / 50
Hiawatha Broadband Communications Cable · Fiber, Fixed Wireless in parts of the area	1,000 / 30
LTD Broadband Fixed Wireless	150 / 130

May also be available: Verizon.

Based on FCC filings for 365 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Saint Charles serves 3,825 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.