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

Winona County property record for 431 E 13th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,322 sqft · built 1880
Lot Size	0.355 acres (15,464 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (May 2026)
Tax Bill	$2,282 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
APN	`29.000.0990`

Property Details

APN / Parcel Number

Primary APN	`29.000.0990`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,322 sqft Living Area
1st Floor Area	496 sqft
Basement Area	434 sqft
Unfinished Basement	434 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,464 sqft (0.355 acres)
Lot Dimensions	209 ft deep x 74 ft wide
Garage Area	574 sqft
Porch	Open Porch
Porch Area	35 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	431 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-040 LIMITS W 73.75'OF LOT 40 & W 74.5' OF LOT 41
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	40-41
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2057
Census Tract	671000

Owner

Source: Winona County records, as of July 17, 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	431 E 13TH ST, SAINT CHARLES, MN 55972-1511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
May 8, 2020	Warranty Deed, Transfer · Conventional Mortgage THINK MUTUAL BANK
Apr 24, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	May 8, 2020 · Amount on Record
Deed Document Number	2026666218
Prior Transfer Date	Oct 24, 2016
Prior Transfer Doc	598641
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 7, 2026
Property Address	431 E 13TH ST, SAINT CHARLES, MN 55972-1511
Document Number	0000666218
Instrument Date	Apr 24, 2026
Instrument	2026666218
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71,659.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E 13TH ST, SAINT CHARLES, MN 55972-1511

Mortgage

Document Number	0000666219,
Date	May 7, 2026
Instrument	2026666219

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 8, 2020
Property Address	431 E 13TH ST, SAINT CHARLES, MN 55972-1511
Document Number	624353
Instrument Date	Apr 30, 2020
Instrument	624353
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.98
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	431 E 13TH ST, SAINT CHARLES, MN 55972-1511

Mortgage

Document Number	624354
Date	May 8, 2020
Instrument	624354

Lender

Name	THINK MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Apr 24, 2017
Property Address	431 E 13TH ST, SAINT CHARLES, MN 55972-1511
Document Number	602290
Instrument Date	Apr 11, 2017
Instrument	602290
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$419.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 E 13TH ST, SAINT CHARLES, MN 55972-1511

Mortgage

Document Number	602291
Date	Apr 24, 2017
Instrument	602291

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$2,282.00 (+29.07%)
2025		$202,500 (+5.74%) Land $45,200 Building $157,300	$202,500 (+5.74%) Land $45,200 Building $157,300
2023	$1,768.00 Homeowner's exemption	$191,500 Land $44,700 Building $146,800	$191,500 Land $44,700 Building $146,800

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	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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