400 E 13th St, Saint Charles, MN 55972 Property Records

Winona County property record for 400 E 13th St, Saint Charles, MN 55972 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,360 sqft · built 1948
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on File
Last Sale	$199,900 (Feb 2022)
Tax Bill	$2,616 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Dec 2021 Transfer
APN	`29.000.1130`

Property Details

APN / Parcel Number

Primary APN	`29.000.1130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	240 sqft
Finished Basement	240 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	160 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	528 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	400 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-046 LIMITS PART OF LOT COMMENCING 321' EAST OF NW CORNER, THENCE S 160', E
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	46
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2060
Census Tract	671000

Owner

Source: Winona County records · APN 29.000.1130

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	400 E 13TH ST, SAINT CHARLES, MN 55972-1512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2022	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 07, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 08, 2022 · Amount on Record
Deed Sale	Feb 08, 2022 · Amount on Record
Deed Document Number	20221378220
Record Updated	Jun 08, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Feb 09, 2022
Property Address	400 E 13TH ST, SAINT CHARLES, MN 55972-1512
Document Number	000A640715
Instrument Date	Feb 08, 2022
Instrument	A640715
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$659.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E 13TH ST, SAINT CHARLES, MN 55972-1512

Mortgage

Document Number	000A640716
Date	Feb 09, 2022
Instrument	A640716

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

December 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Dec 07, 2021
Property Address	400 E 13TH ST, SAINT CHARLES, MN 55972-1512
Document Number	000A639199
Instrument Date	Nov 30, 2021
Instrument	A639199
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 NORTHERN HILLS TRL, SAINT CHARLES, MN 55972-1389

Tax Assessment & Valuation

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

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	$2,616.00 (+25.17%)
2025		$226,400 (+2.12%) Land $36,700 Building $189,700	$226,400 (+2.12%) Land $36,700 Building $189,700
2023	$2,090.00 Homeowner's exemption	$221,700 Land $36,300 Building $185,400	$221,700 Land $36,300 Building $185,400

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 Zone	Not on file

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 365 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Hiawatha Broadband Communications	Cable	1,000 / 30
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Hiawatha Broadband Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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