462 E 4th St, Saint Charles, MN 55972 Property Records

Winona County property record for 462 E 4th St, Saint Charles, MN 55972 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,732 sqft · built 2004
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (May 2021)
Tax Bill	$8,456 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage
APN	`29.000.0299`

Property Details

APN / Parcel Number

Primary APN	`29.000.0299`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,732 sqft Living Area
1st Floor Area	2,716 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Lot Width	469 ft Width
Garage Area	1,051 sqft
Deck Area	256 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	462 E 4TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 1.90 AC PARCEL IN NW 1/4 NW 1/4 COMMENCING NW CORNER NW 1/4, S 89 DEG E 787.75' S 0" W 506.13', SW
Legal Range	010
Legal Township	106
Legal Section	20
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3024
Census Tract	671000

Owner

Source: Winona County records · APN 29.000.0299

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	2 Individual Names on File
Mailing Address	462 E 4TH ST, SAINT CHARLES, MN 55972-1352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Deed Document Number	2021634014
Last Transfer Date	Jan 30, 2024
Transfer Doc	0000653526
Record Updated	Jun 08, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WINONA MN
Recording Date	May 19, 2021
Property Address	462 E 4TH ST, SAINT CHARLES, MN 55972-1352
Document Number	634014
Instrument Date	May 18, 2021
Instrument	634014
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,782.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	462 E 4TH ST, SAINT CHARLES, MN 55972-1352

Mortgage

Document Number	634016
Date	May 19, 2021
Instrument	634016

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

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	$8,456.00 (+20.94%)
2025		$626,000 (+2.4%) Land $77,000 Building $549,000	$626,000 (+2.4%) Land $77,000 Building $549,000
2023	$6,992.00 Homeowner's exemption	$611,300 Land $76,200 Building $535,100	$611,300 Land $76,200 Building $535,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271696710003, refreshed September 2026 · 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Aug 2007 · 3 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 192 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: Verizon, Hiawatha Broadband Communications, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.