Winona County property record for 524 E 12th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1956 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $134,500 (Dec 2016) |
| Tax Bill | $2,170 (2026) |
| Deeds & Mortgages | May 2020 Mortgage |
| APN | 29.070.0020 |
| Primary APN | 29.070.0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,756 sqft (0.201 acres) |
| Lot Dimensions | 120 ft deep x 73 ft wide |
| Garage Area | 315 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 255 sqft |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 524 E 12TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1602 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-20 TWP-106 RANGE-010 SMITH'S 1ST ADDITION LOT-002 BLOCK-001 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 20 |
| Legal Subdivision | SMITHS 1ST ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 671000 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 524 E 12TH ST, SAINT CHARLES, MN 55972-1602 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2016 · Amount on Record |
| Deed Sale | Dec 14, 2016 · Amount on Record |
| Deed Document Number | 2016599736 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 524 E 12TH ST, SAINT CHARLES, MN 55972-1602 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 624464 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 624464 |
| Name | CITIZENS FIRST BANK INC |
|---|---|
| Type | Bank |
| Address | TREMPEALEAU, WI 54661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
Source: Winona County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,170.00 (+18.58%) Homeowner's exemption | $207,400 (+6.63%) Land $39,100 Building $168,300 | $207,400 (+6.63%) Land $39,100 Building $168,300 |
| 2025 | $194,500 (-0.66%) Land $37,300 Building $157,200 | $194,500 (-0.66%) Land $37,300 Building $157,200 | |
| 2023 | $1,830.00 Homeowner's exemption | $195,800 Land $36,900 Building $158,900 | $195,800 Land $36,900 Building $158,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 365 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 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: Verizon.
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