454 E 15th St, Saint Charles, MN 55972 Property Records

Winona County property record for 454 E 15th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,480 sqft · built 1979
Lot Size	0.371 acres (16,161 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Jun 2025)
Tax Bill	$3,726 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2020 Second Mortgage + 1 more
APN	`29.010.1150`

Property Details

APN / Parcel Number

Primary APN	`29.010.1150`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,480 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1996
Exterior Material	Metal
Construction Type	Metal Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,161 sqft (0.371 acres)
Lot Dimensions	120 ft deep x 135 ft wide
Garage Area	728 sqft
Deck Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	454 E 15TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 BIRGES 1ST ADD LOT-001 BLOCK-020 & W 50' OF SW 1/4 SW 1/4 LYING SOUTH OF 15TH STREET
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	BIRGES 1ST ADD
Legal Block	20
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1015
Census Tract	671000

Owner

Source: Winona County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	454 E 15TH ST, SAINT CHARLES, MN 55972-1546
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage LOANDEPOT.COM LLC
Oct 22, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage IOANDEPOT COM LLC
Oct 22, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on Record
Deed Sale	Jun 10, 2025 · Amount on Record
Prior Sale	Oct 22, 2024 · Amount on Record
Deed Document Number	2025660953
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	454 E 15TH ST, SAINT CHARLES, MN 55972-1546
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000630554
Date	Jan 12, 2021
Instrument	630554

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Oct 1, 2030

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	454 E 15TH ST, SAINT CHARLES, MN 55972-1546
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	628401
Date	Oct 22, 2020
Instrument	628401

Lender

Name	IOANDEPOT COM LLC
Type	Non-Lending Institution
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2030

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 22, 2020
Property Address	454 E 15TH ST, SAINT CHARLES, MN 55972-1546
Document Number	628399
Instrument Date	Oct 2, 2020
Instrument	628399
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$663.30
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	454 E 15TH ST, SAINT CHARLES, MN 55972-1546

Mortgage

Document Number	0000628400
Date	Oct 22, 2020
Instrument	628400

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

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	$3,726.00 (-6.76%)	$328,300 (+7.36%) Land $66,900 Building $261,400	$328,300 (+7.36%) Land $66,900 Building $261,400
2025	$3,996.00 (+33.56%)	$305,800 (-2.83%) Land $63,700 Building $242,100	$305,800 (-2.83%) Land $63,700 Building $242,100
2023	$2,992.00	$314,700 Land $63,100 Building $251,600	$314,700 Land $63,100 Building $251,600

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	37 (1982–2007)
Claims Outside the SFHA	2 of 37
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 10 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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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