348 W 3rd St, Saint Charles, MN 55972 Property Records

Winona County property record for 348 W 3rd St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,568 sqft · built 1994
Lot Size	1.66 acres (72,490 sqft)
Owner	Individual Name on Record
Tax Bill	$2,078 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Second Mortgage + 1 more
APN	`29.060.0201`

Property Details

APN / Parcel Number

Primary APN	`29.060.0201`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	72,490 sqft (1.66 acres)
Garage Type	Detached
Garage Area	768 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	348 W 3RD ST
City	SAINT CHARLES
State	MN
Zip	55972-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT BLOCK-008 LOTS 5, 6, 7, 8, 9, & 10 ORIGINAL PLAT AND VACATED ALLEY ADJOINING SAID
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	8
Legal Lot Number	5-10
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3040
Census Tract	671000

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	348 W 3RD ST, SAINT CHARLES, MN 55972-1041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
Sep 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MERCHANTS BANK NA
Mar 19, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	348 W 3RD ST, SAINT CHARLES, MN 55972-1041
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 W 3RD ST, SAINT CHARLES, MN 55972-1041

Mortgage

Document Number	000A664039
Date	Dec 2, 2025
Instrument	A664039

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2040

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	348 W 3RD ST, SAINT CHARLES, MN 55972-1041
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 W 3RD ST, SAINT CHARLES, MN 55972-1041

Mortgage

Document Number	000A651045
Date	Sep 25, 2023
Instrument	A651045

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2043

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	348 W 3RD ST, SAINT CHARLES, MN 55972-1041
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	348 W 3RD ST, SAINT CHARLES, MN 55972-1041

Mortgage

Document Number	632220
Date	Mar 19, 2021
Instrument	632220

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	130 Months
Due	Jan 1, 2032

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	$2,078.00 (+22.81%) Homeowner's exemption	$198,400 (+5.64%) Land $43,500 Building $154,900	$198,400 (+5.64%) Land $43,500 Building $154,900
2025		$187,800 (+6.16%) Land $41,400 Building $146,400	$187,800 (+6.16%) Land $41,400 Building $146,400
2023	$1,692.00 Homeowner's exemption	$176,900 Land $41,000 Building $135,900	$176,900 Land $41,000 Building $135,900

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	6 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 3 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	Low lower than 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 193 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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