473 E 12th St, Saint Charles, MN 55972 Property Records

Winona County property record for 473 E 12th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,596 sqft · built 1910
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jun 2026)
Tax Bill	$2,518 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2023 Sale & Mortgage + 2 more
APN	`29.080.0290`

Property Details

APN / Parcel Number

Primary APN	`29.080.0290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,064 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1989
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	720 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	208 sqft
Deck Area	Deck Area
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	473 E 12TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 STONES ADDITION LOT-005 BLOCK-004 E 50' OF LOTS 5, 8, & 9 & W 30' OF VAC EAST STREET EX: N 39' OF
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	STONES ADDITION
Legal Block	4
Legal Lot Number	5,8-9
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2029
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	2 Individual Names on Record
Mailing Address	473 E 12TH ST, SAINT CHARLES, MN 55972-1505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE
May 22, 2023	Warranty Deed, Transfer · FHA Mortgage BELL BANK
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Prior Sale	May 22, 2023 · Amount on Record
Deed Document Number	2026666970
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 3, 2026
Property Address	473 E 12TH ST, SAINT CHARLES, MN 55972-1505
Document Number	0000666970
Instrument Date	May 28, 2026
Instrument	2026666970
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,989.00
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	473 E 12TH ST, SAINT CHARLES, MN 55972-1505

Mortgage

Document Number	0000666971,
Date	Jun 3, 2026
Instrument	2026666971

Lender

Name	PROSPERITY HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 22, 2023
Property Address	473 E 12TH ST, SAINT CHARLES, MN 55972-1505
Document Number	000A648979
Instrument Date	May 19, 2023
Instrument	A648979
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	TOWN N COUNTRY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	473 E 12TH ST, SAINT CHARLES, MN 55972-1505

Mortgage

Document Number	000A648980
Date	May 22, 2023
Instrument	A648980

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	473 E 12TH ST, SAINT CHARLES, MN 55972-1505
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	473 E 12TH ST, SAINT CHARLES, MN 55972-1505

Mortgage

Document Number	635129
Date	Jul 2, 2021
Instrument	635129

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jun 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	473 E 12TH ST, SAINT CHARLES, MN 55972-1505
Transaction Type	Mortgage
Record Updated	Mar 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	631908
Date	Mar 8, 2021
Instrument	631908

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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	$2,518.00 (+43.72%) Homeowner's exemption	$244,400 (+11.39%) Land $42,200 Building $202,200	$244,400 (+11.39%) Land $42,200 Building $202,200
2025		$219,400 (+15.53%) Land $40,300 Building $179,100	$219,400 (+15.53%) Land $40,300 Building $179,100
2023	$1,752.00 Homeowner's exemption	$189,900 Land $39,800 Building $150,100	$189,900 Land $39,800 Building $150,100

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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