454 E 14th St, Saint Charles, MN 55972 Property Records

Winona County property record for 454 E 14th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1926
Lot Size	0.205 acres (8,930 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Oct 2025)
Tax Bill	$2,660 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2025 Transfer
APN	`29.010.0500`

Property Details

APN / Parcel Number

Primary APN	`29.010.0500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,638 sqft Living Area
1st Floor Area	728 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,930 sqft (0.205 acres)
Lot Dimensions	140 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	684 sqft
Porch	Open Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	454 E 14TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 BIRGES 1ST ADD LOT-001 BLOCK-009 INCLUDING PART OF VACANT ALLEY
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	BIRGES 1ST ADD
Legal Block	9
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2063
Census Tract	671000

Owner

Source: Winona County records, as of September 4, 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	454 E 14TH ST, SAINT CHARLES, MN 55972-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
Sep 23, 2025	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Deed Document Number	2025663550
Prior Transfer Date	Jan 30, 2025
Prior Transfer Doc	0000658844
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 31, 2025
Property Address	454 E 14TH ST, SAINT CHARLES, MN 55972-1516
Document Number	000A663550
Instrument Date	Oct 31, 2025
Instrument	A663550
Transaction Type	Transfer
Record Updated	Mar 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 E 14TH ST, SAINT CHARLES, MN 55972-1516

Mortgage

Document Number	000A663551
Date	Oct 31, 2025
Instrument	A663551

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Sep 23, 2025
Property Address	454 E 14TH ST, SAINT CHARLES, MN 55972-1516
Document Number	000A662842
Instrument Date	Sep 16, 2025
Instrument	A662842
Transaction Type	Transfer
Record Updated	Nov 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	589 GRAMSIE RD, SHOREVIEW, MN 55126-7020

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	$2,660.00 (+20.04%) Homeowner's exemption	$245,000 (+6.75%) Land $37,700 Building $207,300	$245,000 (+6.75%) Land $37,700 Building $207,300
2025	$2,216.00 (+19.78%) Homeowner's exemption	$229,500 (+2.14%) Land $35,900 Building $193,600	$229,500 (+2.14%) Land $35,900 Building $193,600
2023	$1,850.00 Homeowner's exemption	$224,700 Land $35,500 Building $189,200	$224,700 Land $35,500 Building $189,200

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	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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