511 Brook Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 511 Brook Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 926 sqft · built 2014
Lot Size	0.208 acres (9,060 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Apr 2024)
Tax Bill	$3,234 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2024 Sale & Mortgage + 1 more
APN	`29.078.0230`

Property Details

APN / Parcel Number

Primary APN	`29.078.0230`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	926 sqft Living Area
1st Floor Area	926 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2021
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,060 sqft (0.208 acres)
Lot Dimensions	14 ft deep x 6.5 ft wide
Garage Area	484 sqft
Porch	Open Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	511 BROOK AVE
City	SAINT CHARLES
State	MN
Zip	55972-1087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-21 TWP-106 RANGE-010 SOUTHFORK ADDITION LOT-002 BLOCK-004
Legal Range	010
Legal Township	106
Legal Section	21
Legal Subdivision	SOUTHFORK
Legal Block	4
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3079
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	511 BROOK AVE, SAINT CHARLES, MN 55972-1087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 8, 2024	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
Mar 9, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST ALLIANCE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2024 · Amount on Record
Deed Sale	Apr 8, 2024 · Amount on Record
Prior Sale	Mar 3, 2022 · Amount on Record
Deed Document Number	2024654075
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	511 BROOK AVE, SAINT CHARLES, MN 55972-1087
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	000A665528
Date	Mar 18, 2026
Instrument	A665528

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Apr 8, 2024
Property Address	511 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	000A654075
Instrument Date	Mar 25, 2024
Instrument	A654075
Transaction Type	Transfer
Record Updated	May 1, 2024
Title Company	ROCHESTER TITLE AND ESCROW COMPANY, ROCHESTER TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,039.50
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	511 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	000A654076
Date	Apr 8, 2024
Instrument	A654076

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 9, 2022
Property Address	511 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	000A641305
Instrument Date	Mar 3, 2022
Instrument	A641305
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.22
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	511 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	000A641306
Date	Mar 9, 2022
Instrument	A641306

Lender

Name	FIRST ALLIANCE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

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	$3,234.00 (+34.53%) Homeowner's exemption	$294,600 (+8.87%) Land $45,100 Building $249,500	$294,600 (+8.87%) Land $45,100 Building $249,500
2025		$270,600 (+13.79%) Land $42,900 Building $227,700	$270,600 (+13.79%) Land $42,900 Building $227,700
2023	$2,404.00 Homeowner's exemption	$237,800 Land $42,500 Building $195,300	$237,800 Land $42,500 Building $195,300

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	6 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 3 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	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 54 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

May also be available: GigFire, Verizon.

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