Winona County property record for 498 E 15th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,892 sqft · built 1994 |
| Lot Size | 0.301 acres (13,112 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,834 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| APN | 29.000.1423 |
| Primary APN | 29.000.1423 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,892 sqft Living Area |
| 1st Floor Area | 1,892 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,112 sqft (0.301 acres) |
| Lot Dimensions | 12.5 ft deep x 10.5 ft wide |
| Garage Area | 636 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 96 sqft |
| Patio Area | 672 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 498 E 15TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-29 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-063 LIMITS BEING PART OF NW 1/4 NW 1/4 BEGINNING AT NW CORNER LOT 1 BLK 3 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 29 |
| Legal Subdivision | LIMITS |
| Legal Block | 3 |
| Legal Lot Number | 63 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.000.1423
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 | 498 E 15TH ST, SAINT CHARLES, MN 55972-1546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jun 23, 2025 |
| Transfer Doc | 0000661213 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 498 E 15TH ST, SAINT CHARLES, MN 55972-1546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 627102 |
|---|---|
| Date | Sep 03, 2020 |
| Instrument | 627102 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2035 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
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 | $4,834.00 (+20.25%) | ||
| 2025 | $385,200 (+2.61%) Land $41,400 Building $343,800 | $385,200 (+2.61%) Land $41,400 Building $343,800 | |
| 2023 | $4,020.00 Homeowner's exemption | $375,400 Land $41,000 Building $334,400 | $375,400 Land $41,000 Building $334,400 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
| Hiawatha Broadband Communications Cable · Fiber in parts of the area | 1,000 / 30 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 51 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Charles serves 3,825 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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