514 E 15th St, Saint Charles, MN 55972 Property Records

Winona County property record for 514 E 15th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,485 sqft · built 2008
Lot Size	0.366 acres (15,947 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Feb 2022)
Tax Bill	$5,032 (2026)
Deeds & Mortgages	May 2011 Line of Credit Jan 2012 Mortgage + 1 more
APN	`29.048.0110`

Property Details

APN / Parcel Number

Primary APN	`29.048.0110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,485 sqft Living Area
1st Floor Area	1,459 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2012
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,947 sqft (0.366 acres)
Garage Area	644 sqft
Porch	Open Porch
Porch Area	60 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	514 E 15TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-29 TWP-106 RANGE-010 MERGEN HILLS ESTATES 1ST ADD LOT-002 BLOCK-003
Legal Range	010
Legal Township	106
Legal Section	29
Legal Subdivision	MERGEN HILLS ESTATES 1ST ADD
Legal Block	3
Legal Lot Number	2
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1015
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	514 E 15TH ST, SAINT CHARLES, MN 55972-1671
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2011	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Jan 9, 2012	Deed of Trust, Mortgage MERCHANTS BANK NA
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage RESULTS MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2022 · Amount on Record
Deed Sale	Feb 1, 2022 · Amount on Record
Prior Sale	Jan 31, 2022 · Amount on Record
Deed Document Number	2022640580
Record Updated	Oct 29, 2026

May 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	514 E 15TH ST, SAINT CHARLES, MN 55972-1671
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 E 15TH ST, SAINT CHARLES, MN 55972-1671

Mortgage

Document Number	000A555278
Date	May 9, 2011
Instrument	A555278

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	1130 WHITEWATER AVE, SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2021

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	514 E 15TH ST, SAINT CHARLES, MN 55972-1671
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A560691
Date	Jan 9, 2012
Instrument	A560691

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	1130 WHITEWATER AVE, SAINT CHARLES, MN 55972

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2032

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Feb 1, 2022
Property Address	514 E 15TH ST, SAINT CHARLES, MN 55972-1671
Document Number	000A640580
Instrument Date	Jan 27, 2022
Instrument	A640580
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LEGAL TITLE, LEGAL & TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,221.00
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	514 E 15TH ST, SAINT CHARLES, MN 55972-1671

Mortgage

Document Number	000A640581
Date	Feb 1, 2022
Instrument	A640581

Lender

Name	RESULTS MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 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	$5,032.00 (+19.35%) Homeowner's exemption	$432,800 (+8.42%) Land $43,500 Building $389,300	$432,800 (+8.42%) Land $43,500 Building $389,300
2025		$399,200 (+1.35%) Land $41,400 Building $357,800	$399,200 (+1.35%) Land $41,400 Building $357,800
2023	$4,216.00 Homeowner's exemption	$393,900 Land $41,000 Building $352,900	$393,900 Land $41,000 Building $352,900

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	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	Severe Storms And Flooding, Aug 2007 · 10 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 96% of the US · lower than 86% 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 51 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 in parts of the area	1,000 / 30
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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