Winona County property record for 349 E 12th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 964 sqft · built 1951 |
| Lot Size | 0.146 acres (6,360 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Feb 2025) |
| Tax Bill | $2,106 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Dec 2020 Sale & Mortgage + 1 more |
| APN | 29.080.0080 |
| Primary APN | 29.080.0080 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 964 sqft Living Area |
| 1st Floor Area | 964 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,360 sqft (0.146 acres) |
| Lot Dimensions | 106 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Deck Area | 218 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 349 E 12TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-19 TWP-106 RANGE-010 STONES ADDITION LOT-008 BLOCK-001 W 60' OF LOTS 8 & 9 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 19 |
| Legal Subdivision | STONES ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 8-9 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.080.0080
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 | 349 E 12TH ST, SAINT CHARLES, MN 55972-1503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Apr 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Dec 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Sep 17, 2018 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on Record |
| Deed Sale | Feb 28, 2025 · Amount on Record |
| Prior Sale | Dec 18, 2020 · Amount on Record |
| Deed Document Number | 2025659317 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 349 E 12TH ST, SAINT CHARLES, MN 55972-1503 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 000A642366 |
|---|---|
| Date | Apr 28, 2022 |
| Instrument | A642366 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Dec 18, 2020 |
| Property Address | 349 E 12TH ST, SAINT CHARLES, MN 55972-1503 |
| Document Number | 629924 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 629924 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | TRADEMARK TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $544.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 349 E 12TH ST, SAINT CHARLES, MN 55972-1503 |
| Document Number | 0000629925 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 629925 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 349 E 12TH ST, SAINT CHARLES, MN 55972-1503 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2018 |
| Name | Verified Name |
|---|---|
| Address | 349 E 12TH ST, SAINT CHARLES, MN 55972-1503 |
| Document Number | 612552 |
|---|---|
| Date | Sep 17, 2018 |
| Instrument | 612552 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 08, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| 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 | $2,106.00 (+21.88%) | ||
| 2025 | $189,900 (+1.93%) Land $29,400 Building $160,500 | $189,900 (+1.93%) Land $29,400 Building $160,500 | |
| 2023 | $1,728.00 Homeowner's exemption | $186,300 Land $29,100 Building $157,200 | $186,300 Land $29,100 Building $157,200 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| 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.
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.
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 |
| 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.
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