528 Brook Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 528 Brook Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,187 sqft · built 2017
Lot Size	0.285 acres (12,415 sqft)
Owner	Individual Name on Record
Last Sale	$323,000 (Aug 2022)
Tax Bill	$3,858 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2022 Mortgage + 5 more
APN	`29.078.0210`

Property Details

APN / Parcel Number

Primary APN	`29.078.0210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,187 sqft Living Area
1st Floor Area	1,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,415 sqft (0.285 acres)
Lot Dimensions	15 ft deep x 8.3 ft wide
Garage Type	Detached
Garage Area	720 sqft
Porch	Open Porch
Porch Area	36 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	528 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-005 BLOCK-003
Legal Range	010
Legal Township	106
Legal Section	21
Legal Subdivision	SOUTHFORK
Legal Block	3
Legal Lot Number	5
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 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	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FARMERS & MERCHANTS BANK
Jan 21, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 1, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 2, 2020	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 8, 2019	Warranty Deed, Transfer · FHA Mortgage HOMESERVICES LENDING LLC
Oct 10, 2017	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage USAA FSB
Apr 10, 2017	Deed, Construction Loan · Construction Mortgage PEOPLES STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2022 · Amount on Record
Deed Sale	Aug 2, 2022 · Amount on Record
Prior Sale	Apr 8, 2019 · Amount on Record
Deed Document Number	2022644375
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 2, 2022
Property Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	000A644375
Instrument Date	Jul 29, 2022
Instrument	A644375
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,065.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	000A644376
Date	Aug 2, 2022
Instrument	A644376

Lender

Name	FIRST FARMERS & MERCHANTS BANK
Type	Bank

Agreement

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

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Transaction Type	Mortgage
Record Updated	Feb 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	000A640349
Date	Jan 21, 2022
Instrument	A640349

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Jun 1, 2050

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	632584
Date	Apr 1, 2021
Instrument	632584

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jun 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	624899
Date	Jun 2, 2020
Instrument	624899

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Apr 8, 2019
Property Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	616076
Instrument Date	Apr 3, 2019
Instrument	616076
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$730.45
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	528 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	616077
Date	Apr 8, 2019
Instrument	616077

Lender

Name	HOMESERVICES LENDING LLC
Type	Mortgage Company

Agreement

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

October 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 10, 2017
Property Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	606006
Instrument Date	Aug 31, 2017
Instrument	606006
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.80
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	528 BROOK AVE, SAINT CHARLES, MN 55972-1087

Mortgage

Document Number	606007
Date	Oct 10, 2017
Instrument	606007

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2047

April 2017: Deed, Construction Loan

Document Type	Deed
Jurisdiction	WINONA MN
Recording Date	Apr 10, 2017
Property Address	528 BROOK AVE, SAINT CHARLES, MN 55972-1087
Document Number	602017
Instrument Date	Mar 10, 2017
Instrument	602017
Transaction Type	Construction Loan
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Tax	$52.47
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 CRIMSON RIDGE CIR NW, ROCHESTER, MN 55901-2958

Mortgage

Document Number	602018
Date	Apr 10, 2017
Instrument	602018

Lender

Name	PEOPLES STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Sep 9, 2017

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	$3,858.00 (+17.77%) Homeowner's exemption	$340,800 (+8.09%) Land $50,900 Building $289,900	$340,800 (+8.09%) Land $50,900 Building $289,900
2025		$315,300 (+2.64%) Land $48,500 Building $266,800	$315,300 (+2.64%) Land $48,500 Building $266,800
2023	$3,276.00 Homeowner's exemption	$307,200 Land $48,000 Building $259,200	$307,200 Land $48,000 Building $259,200

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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