Winona County property record for 454 E 13th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,784 sqft · built 1890 |
| Lot Size | 0.668 acres (29,098 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,528 (2026) |
| Deeds & Mortgages | Dec 2017 Mortgage Jul 2020 Mortgage |
| APN | 29.000.1140 |
| Primary APN | 29.000.1140 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,784 sqft Living Area |
| 1st Floor Area | 520 sqft |
| Basement Area | 168 sqft |
| Unfinished Basement | 168 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,098 sqft (0.668 acres) |
| Lot Dimensions | 160 ft deep x 182 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 170 sqft |
| Shed | 1 Shed |
| Shed Area | 448 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 454 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 PARCEL 182' X 160' IN LOTS 46 & 47 PER MF #221759 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 20 |
| Legal Subdivision | LIMITS |
| Legal Lot Number | 46-47 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.000.1140
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 | 454 E 13TH ST, SAINT CHARLES, MN 55972-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2017 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC |
| Jul 27, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 454 E 13TH ST, SAINT CHARLES, MN 55972-1512 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 607198 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 607198 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 454 E 13TH ST, SAINT CHARLES, MN 55972-1512 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 626137 |
|---|---|
| Date | Jul 27, 2020 |
| Instrument | 626137 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
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 | $2,528.00 (+21.31%) | ||
| 2025 | $220,000 (+0.55%) Land $96,000 Building $124,000 | $220,000 (+0.55%) Land $96,000 Building $124,000 | |
| 2023 | $2,084.00 Homeowner's exemption | $218,800 Land $95,000 Building $123,800 | $218,800 Land $95,000 Building $123,800 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 365 locations within half a mile · Last verified October 2026
| 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.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | Saint Charles serves 3,825 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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