354 E 15th St, Saint Charles, MN 55972 Property Records

Winona County property record for 354 E 15th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,971 sqft · built 1930
Lot Size	0.507 acres (22,085 sqft)
Owner	Individual Name on Record
Last Sale	$211,218 (Nov 2022)
Tax Bill	$2,568 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Aug 2021 Sale & Mortgage
APN	`29.010.1100`

Property Details

APN / Parcel Number

Primary APN	`29.010.1100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,971 sqft Living Area
1st Floor Area	1,108 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1984
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,085 sqft (0.507 acres)
Lot Dimensions	158 ft deep x 140 ft wide
Garage Type	Detached
Garage Area	624 sqft

Exterior Amenities

Porch	Porch
Porch Area	320 sqft
Deck Area	424 sqft
Gazebo	264 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	354 E 15TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 BIRGES 1ST ADD LOT-002 BLOCK-019 N 1/2 & ALL OF LOTS 3 & 4
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	BIRGES 1ST ADD
Legal Block	19
Legal Lot Number	2-4
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1015
Census Tract	671000

Owner

Source: Winona County records, as of October 13, 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 Record
Mailing Address	354 E 15TH ST, SAINT CHARLES, MN 55972-1553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMESOURCE FUNDING INC
Aug 27, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2022 · Amount on Record
Deed Sale	Nov 15, 2022 · Amount on Record
Prior Sale	Aug 27, 2021 · Amount on Record
Deed Document Number	2022646227
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Nov 15, 2022
Property Address	354 E 15TH ST, SAINT CHARLES, MN 55972-1553
Document Number	000A646227
Instrument Date	Nov 10, 2022
Instrument	A646227
Transaction Type	Transfer
Record Updated	Dec 8, 2022
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$697.02
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 E 15TH ST, SAINT CHARLES, MN 55972-1553
Investor	Possibly a Property Investor

Mortgage

Document Number	000A646228
Date	Nov 15, 2022
Instrument	A646228

Lender

Name	PRIMESOURCE FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 27, 2021
Property Address	354 E 15TH ST, SAINT CHARLES, MN 55972-1553
Document Number	636468
Instrument Date	Aug 11, 2021
Instrument	636468
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$628.32
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 E 15TH ST, SAINT CHARLES, MN 55972-1553

Mortgage

Document Number	636469
Date	Aug 27, 2021
Instrument	636469

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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	$2,568.00 (+21.71%) Homeowner's exemption	$235,100 (+5.43%) Land $76,900 Building $158,200	$235,100 (+5.43%) Land $76,900 Building $158,200
2025		$223,000 (+0.41%) Land $73,300 Building $149,700	$223,000 (+0.41%) Land $73,300 Building $149,700
2023	$2,110.00 Homeowner's exemption	$222,100 Land $72,500 Building $149,600	$222,100 Land $72,500 Building $149,600

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	1 in force
Nearby Flood Claims	37 (1982–2007)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 10 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	Not rated no burnable land within ember reach

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

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

May also be available: Verizon.

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