522 Brook Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 522 Brook Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 996 sqft · built 2004
Lot Size	0.208 acres (9,060 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,000 (Aug 2026)
Tax Bill	$3,102 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2021 Mortgage + 2 more
APN	`29.078.0200`

Property Details

APN / Parcel Number

Primary APN	`29.078.0200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	996 sqft Living Area
1st Floor Area	546 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2010
Architectural Style	Split Level
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	9,060 sqft (0.208 acres)
Lot Dimensions	14 ft deep x 6.5 ft wide
Garage Area	576 sqft

Exterior Amenities

Porch	Porch
Porch Area	24 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	522 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 REPLAT LOT-004 BLOCK-003
Legal Range	010
Legal Township	106
Legal Section	21
Legal Subdivision	SOUTHFORK ADDITION REPLAT
Legal Block	3
Legal Lot Number	4
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3078
Census Tract	671000

Owner

Source: Winona County records, as of October 16, 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	522 BROOK AVE, SAINT CHARLES, MN 55972-1087
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW ALBIN SAVINGS BANK
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage THINK MUTUAL BANK
Mar 23, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 2, 2018	Warranty Deed, Transfer · Conventional Mortgage THINK MUTUAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2026 · Amount on Record
Deed Sale	Aug 17, 2026 · Amount on Record
Prior Sale	Oct 2, 2018 · Amount on Record
Deed Document Number	2026668415
Prior Transfer Date	Mar 19, 2021
Prior Transfer Doc	632279
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 17, 2026
Property Address	522 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	0000668415
Instrument Date	Aug 14, 2026
Instrument	2026668415
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103,989.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	522 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	0000668415,
Date	Aug 17, 2026
Instrument	2026668415

Lender

Name	NEW ALBIN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 14, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	522 BROOK AVE, SAINT CHARLES, MN 55972-1087
Transaction Type	Mortgage
Record Updated	Jun 15, 2021
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	634222
Date	May 28, 2021
Instrument	634222

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINONA MN
Recording Date	Mar 23, 2021
Property Address	522 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	632279
Instrument Date	Mar 19, 2021
Instrument	632279
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 BROOK AVE, SAINT CHARLES, MN 55972-1087

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 2, 2018
Property Address	522 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	612886
Instrument Date	Sep 24, 2018
Instrument	612886
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	MN SECURED TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$636.90
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	522 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	612889
Date	Oct 2, 2018
Instrument	612889

Lender

Name	THINK MUTUAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$3,102.00 (+16.53%) Homeowner's exemption	$282,600 (+8.19%) Land $45,100 Building $237,500	$282,600 (+8.19%) Land $45,100 Building $237,500
2025		$261,200 (-0.95%) Land $42,900 Building $218,300	$261,200 (-0.95%) Land $42,900 Building $218,300
2023	$2,662.00 Homeowner's exemption	$263,700 Land $42,500 Building $221,200	$263,700 Land $42,500 Building $221,200

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 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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