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

Winona County property record for 530 E 13th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,064 sqft · built 1930
Lot Size	0.178 acres (7,754 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jan 2026)
Tax Bill	$1,588 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Jan 2026 Sale & Mortgage
APN	`29.090.0140`

Property Details

APN / Parcel Number

Primary APN	`29.090.0140`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	504 sqft
Basement Area	308 sqft
Unfinished Basement	308 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1992
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,754 sqft (0.178 acres)
Lot Dimensions	147 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	352 sqft
Deck Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	530 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-007 BLOCK-004
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	WICKERS ADDITION
Legal Block	4
Legal Lot Number	7
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 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	530 E 13TH ST, SAINT CHARLES, MN 55972-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Jan 20, 2026	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Deed Document Number	2026664795
Prior Transfer Date	Jan 16, 2026
Prior Transfer Doc	0000664797
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	530 E 13TH ST, SAINT CHARLES, MN 55972-1606
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 E 13TH ST, SAINT CHARLES, MN 55972-1606

Mortgage

Document Number	000A662179
Date	Aug 14, 2025
Instrument	A662179

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jan 20, 2026
Property Address	530 E 13TH ST, SAINT CHARLES, MN 55972-1606
Document Number	000A664795
Instrument Date	Jan 16, 2026
Instrument	A664795
Transaction Type	Transfer
Record Updated	Jun 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 E 13TH ST, SAINT CHARLES, MN 55972-1606

Mortgage

Document Number	000A664796
Date	Jan 20, 2026
Instrument	A664796

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

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	$1,588.00 (+21.22%) Homeowner's exemption	$167,000 (+9.29%) Land $32,800 Building $134,200	$167,000 (+9.29%) Land $32,800 Building $134,200
2025		$152,800 (+1.8%) Land $31,300 Building $121,500	$152,800 (+1.8%) Land $31,300 Building $121,500
2023	$1,310.00 Homeowner's exemption	$150,100 Land $30,900 Building $119,200	$150,100 Land $30,900 Building $119,200

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

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 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.

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 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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