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

Winona County property record for 518 E 13th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 975 sqft · built 1940
Lot Size	0.357 acres (15,551 sqft)
Owner	Individual Name on Record
Tax Bill	$2,184 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2019 Mortgage
APN	`29.090.0110`

Property Details

APN / Parcel Number

Primary APN	`29.090.0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	975 sqft Living Area
1st Floor Area	780 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,551 sqft (0.357 acres)
Lot Dimensions	147 ft deep x 106 ft wide
Garage Type	Detached
Garage Area	1,208 sqft
Porch	Open Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	518 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 WICKERS ADDITION LOT-008 BLOCK-004 & LOT 9
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	WICKERS ADDITION
Legal Block	4
Legal Lot Number	8-9
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2061
Census Tract	671000

Owner

Source: Winona County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	518 E 13TH ST, SAINT CHARLES, MN 55972-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 25, 2019	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	518 E 13TH ST, SAINT CHARLES, MN 55972-1606
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A643135
Date	Jun 1, 2022
Instrument	A643135

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	518 E 13TH ST, SAINT CHARLES, MN 55972-1606
Transaction Type	Mortgage
Record Updated	Aug 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	618238
Date	Jul 25, 2019
Instrument	618238

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Bank
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

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	$2,184.00 (+19.61%)
2025		$195,500 (+0.98%) Land $56,400 Building $139,100	$195,500 (+0.98%) Land $56,400 Building $139,100
2023	$1,826.00 Homeowner's exemption	$193,600 Land $55,800 Building $137,800	$193,600 Land $55,800 Building $137,800

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 99.1% of the US · lower than 96% 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 162 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

May also be available: Verizon.

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