479 E 13th St, Saint Charles, MN 55972 Property Records

Winona County property record for 479 E 13th St, Saint Charles, MN 55972 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,212 sqft · built 1880
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$219,900 (Jun 2024)
Tax Bill	$2,140 (2026)
Deeds & Mortgages	May 2023 Mortgage Jul 2022 Mortgage + 3 more
APN	`29.090.0060`

Property Details

APN / Parcel Number

Primary APN	`29.090.0060`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	564 sqft
Basement Area	316 sqft
Unfinished Basement	316 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1994
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	93 ft deep x 89 ft wide
Garage Type	Detached
Garage Area	520 sqft
Deck Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	479 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 WICKERS ADDITION LOT-002 BLOCK-002
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	WICKERS ADDITION
Legal Block	2
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2057
Census Tract	671000

Owner

Source: Winona County records · APN 29.090.0060

Assessment roll updated August 5, 2025 · Last verified August 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	479 E 13TH ST, SAINT CHARLES, MN 55972-1511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jul 01, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 07, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 24, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 21, 2017	Warranty Deed, Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2024 · Amount on Record
Deed Sale	Jun 25, 2024 · Amount on Record
Prior Sale	Jun 10, 2024 · Amount on Record
Deed Document Number	2024655398
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511
Transaction Type	Mortgage
Record Updated	Jun 12, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511

Mortgage

Document Number	000A649025
Date	May 24, 2023
Instrument	A649025

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	329 Months
Due	Oct 01, 2050

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511

Mortgage

Document Number	000A643787
Date	Jul 01, 2022
Instrument	A643787

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Oct 01, 2050

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511

Mortgage

Document Number	636707
Date	Sep 07, 2021
Instrument	636707

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 01, 2050

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	627681
Date	Sep 24, 2020
Instrument	627681

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 21, 2017
Property Address	479 E 13TH ST, SAINT CHARLES, MN 55972-1511
Document Number	603503
Instrument Date	May 11, 2017
Instrument	603503
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$428.67
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	479 E 13TH ST, SAINT CHARLES, MN 55972-1511

Mortgage

Document Number	603504
Date	Jun 21, 2017
Instrument	603504

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified August 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	$2,140.00 (+34.59%)
2025		$192,300 (+10.52%) Land $36,800 Building $155,500	$192,300 (+10.52%) Land $36,800 Building $155,500
2023	$1,590.00 Homeowner's exemption	$174,000 Land $36,400 Building $137,600	$174,000 Land $36,400 Building $137,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · 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

Wildfire

Wildfire Risk	Low above 3% of the US · above 11% of Minnesota
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 365 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: Hiawatha Broadband Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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