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361 E 3rd St, Saint Charles, MN 55972 Property Records

Winona County property record for 361 E 3rd St, Saint Charles, MN 55972 · Last verified August 2026

Property Highlights

Property TypeVacant Land > Residential
Lot Size10,286 sqft (0.236 acres)
OccupancyOwner Occupied
Last Sale$310,000 (2022)
Tax Bill$76.00 (2024)

Owner

Source: Winona County records · APN 29.060.0420

Assessment roll updated August 5, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 26, 2026Deed of Trust, Mortgage · Line of Credit
MERCHANTS BANK NA
Jun 01, 2026Deed of Trust, Mortgage · Line of Credit
MERCHANTS BANK
Jan 21, 2022Warranty Deed, Transfer · Conventional Mortgage
MERCHANTS BANK NA
Jan 13, 2022Intrafamily Transfer, Transfer
LEGAL TITLE, LEGAL & TITLE SERVICES
Feb 25, 2021Intrafamily Transfer, Transfer
LEGAL TITLE, LEGAL & TITLE SERVICES
Sep 01, 2020Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 21, 2022 · Amount on Record
Deed SaleJan 21, 2022 · Amount on Record
Prior SaleJan 19, 2022 · Amount on Record
Deed Doc Number2022640368
Prior Transfer DateJan 05, 2022
Prior Transfer Doc000A640211
Record RefreshedSep 20, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINONA MN
Property Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307
Transaction TypeMortgage
Record UpdatedJun 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number000A664918
DateJan 26, 2026
InstrumentA664918
Lender
NameMERCHANTS BANK NA
TypeBank
AddressSAINT CHARLES, MN 55972
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJan 23, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINONA MN
Recording DateJun 01, 2026
Property Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307
Document Number0000666920
Instrument DateMay 26, 2026
Instrument2026666920
Transaction TypeMortgage
Record UpdatedAug 17, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307

Mortgage

Document Number0000666920,
DateJun 01, 2026
Instrument2026666920
Lender
NameMERCHANTS BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 30, 2056
Interest
Rate TypeAdjustable Rate
Rate6.3%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINONA MN
Recording DateJan 21, 2022
Property Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307
Document Number000A640368
Instrument DateJan 18, 2022
InstrumentA640368
Transaction TypeTransfer
Record UpdatedAug 16, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,023.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307

Mortgage

Document Number000A640369
DateJan 21, 2022
InstrumentA640369
Lender
NameMERCHANTS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWINONA MN
Recording DateJan 13, 2022
Property Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307
Document Number000A640211
Instrument DateJan 05, 2022
InstrumentA640211
Transaction TypeTransfer
Record UpdatedAug 16, 2022
Title CompanyLEGAL TITLE, LEGAL & TITLE SERVICES

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address8560 CROCUS LN, WINONA, MN 55987-6287

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWINONA MN
Recording DateFeb 25, 2021
Property Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307
Document Number0000631598
Instrument DateFeb 24, 2021
Instrument631598
Transaction TypeTransfer
Record UpdatedAug 16, 2022
Title CompanyLEGAL TITLE, LEGAL & TITLE SERVICES

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address8560 CROCUS LN, WINONA, MN 55987-6287

September 2020: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionWINONA MN
Recording DateSep 01, 2020
Property Address361 E 3RD ST, SAINT CHARLES, MN 55972-1307
Document Number0000627036
Instrument DateAug 31, 2020
Instrument627036
Transaction TypeTransfer
Record UpdatedAug 16, 2022

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address510 MADISON AVE SW, EYOTA, MN 55934-2919

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyWinona County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,100 (+1.67%) Land $6,100$6,100 (+1.67%) Land $6,100
2024$76.00 (+15.15%)
2023$66.00$6,000 Land $6,000$6,000 Land $6,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneFEMA flood map data for this location is not available in our records

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN29.060.0420

Exterior

Lot Area10,286 sqft (0.236 acres)

Location & Zoning

Street Address361 E 3RD ST
CitySAINT CHARLES
StateMN
Zip55972-1307
Property UsageResidential Property Usage
TypeVacant Land > Residential
Legal DescriptionSECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-005 BLOCK-013
Legal Range010
Legal Township106
Legal Section19
Legal SubdivisionORIGINAL PLAT
Legal Block13
Legal Lot Number5
JurisdictionWINONA MN
Minor Civil DivisionST. CHARLES
Census Blockgroup3
Census Block3025
Census Tract671000

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