354 E 14th St, Saint Charles, MN 55972 Property Records

Winona County property record for 354 E 14th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 908 sqft · built 1918
Lot Size	0.334 acres (14,549 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,188 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Mar 2018 Line of Credit
APN	`29.010.0560`

Property Details

APN / Parcel Number

Primary APN	`29.010.0560`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	908 sqft Living Area
1st Floor Area	676 sqft
Basement Area	232 sqft
Unfinished Basement	232 sqft
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,549 sqft (0.334 acres)
Lot Dimensions	208 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	576 sqft
Porch	Open Porch
Porch Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	354 E 14TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 BIRGES 1ST ADD LOT-002 BLOCK-010
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	BIRGES 1ST ADD
Legal Block	10
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2063
Census Tract	671000

Owner

Source: Winona County assessment roll, as of August 5, 2025

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	354 E 14TH ST, SAINT CHARLES, MN 55972-1514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit MERCHANTIL BANK NATIONAL ASSOCIATION
Mar 12, 2018	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 5, 2012
Transfer Doc	A562905
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	354 E 14TH ST, SAINT CHARLES, MN 55972-1514
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 E 14TH ST, SAINT CHARLES, MN 55972-1514

Mortgage

Document Number	638492
Date	Nov 9, 2021
Instrument	638492

Lender

Name	MERCHANTIL BANK NATIONAL ASSOCIATION
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	354 E 14TH ST, SAINT CHARLES, MN 55972-1514
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	608738
Date	Mar 12, 2018
Instrument	608738

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

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	$1,188.00 (+17.39%)
2025		$124,300 (-0.32%) Land $43,000 Building $81,300	$124,300 (-0.32%) Land $43,000 Building $81,300
2023	$1,012.00 Homeowner's exemption	$124,700 Land $42,600 Building $82,100	$124,700 Land $42,600 Building $82,100

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

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.

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