Winona County property record for 528 E 4th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,324 sqft · built 2002 |
| Lot Size | 0.829 acres (36,111 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,858 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Aug 2019 Line of Credit |
| APN | 29.000.0297 |
| Primary APN | 29.000.0297 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,324 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 36,111 sqft (0.829 acres) |
| Lot Dimensions | 48.2 ft deep x 7.5 ft wide |
| Garage Area | 1,148 sqft |
| Porch | Open Porch |
| Porch Area | 304 sqft |
| Deck Area | 261 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 528 E 4TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES 1.37 AC THAT PART NW 1/4 NW 1/4 ADJACENT TO WLY LINE OF LOTS 1, 3, 4, 5 BLK 2 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 20 |
| Legal Subdivision | LIMITS |
| Legal Block | 2 |
| Legal Lot Number | 1,3-5 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 671000 |
528 E 4th St is owned and occupied by an individual who acquired it in January 2024.
Source: Winona County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 528 E 4TH ST, SAINT CHARLES, MN 55972-1369 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 12, 2022 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Aug 26, 2019 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 30, 2024 |
| Transfer Doc | 0000653526 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 528 E 4TH ST, SAINT CHARLES, MN 55972-1369 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 528 E 4TH ST, SAINT CHARLES, MN 55972-1369 |
| Document Number | 000A642726 |
|---|---|
| Date | May 12, 2022 |
| Instrument | A642726 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 9, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 528 E 4TH ST, SAINT CHARLES, MN 55972-1369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 618888 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 618888 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 16, 2039 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 528 E 4th St was $5,858 with a homeowner's exemption.
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 | $5,858.00 Homeowner's exemption | $498,700 (+8.84%) Land $61,000 Building $437,700 | $498,700 (+8.84%) Land $61,000 Building $437,700 |
| 2025 | $458,200 Land $58,100 Building $400,100 | $458,200 Land $58,100 Building $400,100 | |
| 2023 | $4,918.00 Homeowner's exemption | $450,200 Land $57,500 Building $392,700 | $450,200 Land $57,500 Building $392,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 528 E 4th St; there have been 3 flood claims nearby since 2007.
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 |
|
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 risk around 528 E 4th St is low, with less than a 0.01% annual chance of 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 82% 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.
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 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures