531 E 10th St, Saint Charles, MN 55972 Property Records

Winona County property record for 531 E 10th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 1954
Lot Size	0.364 acres (15,856 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jul 2020)
Tax Bill	$3,282 (2026)
Deeds & Mortgages	Jul 2020 Foreclosure
APN	`29.050.0150`

Property Details

APN / Parcel Number

Primary APN	`29.050.0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,768 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,856 sqft (0.364 acres)
Lot Dimensions	125 ft deep x 127 ft wide
Garage Type	Detached
Garage Area	480 sqft
Porch	Screened Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	531 E 10TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 MILLARDS ADD LOT-017 LOTS 17 & 18 EX: E 1/2 LOT 18
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	MILLARDS ADD
Legal Lot Number	17-18
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2003
Census Tract	671000

Owner

Source: Winona County records · APN 29.050.0150

Assessment roll updated August 5, 2025 · Last verified April 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 File
Mailing Address	531 E 10TH ST, SAINT CHARLES, MN 55972-1444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 02, 2020 · Amount on Record
Deed Sale	Jul 02, 2020 · Amount on Record
Deed Document Number	2020625623
Record Updated	Jun 08, 2026

July 2020: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WINONA MN
Recording Date	Jul 02, 2020
Property Address	531 E 10TH ST, SAINT CHARLES, MN 55972-1444
Document Number	625623
Instrument Date	Jun 30, 2020
Instrument	625623
Transaction Type	Foreclosure
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	531 E 10TH ST, SAINT CHARLES, MN 55972-1444

Mortgage

Document Number	0000625624
Date	Jul 02, 2020
Instrument	625624

Lender

Name	THINK MUTUAL BANK
Type	Bank
Address	ROCHESTER, MN 55903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,282.00 (+27.41%)
2025		$274,100 (+0.88%) Land $61,500 Building $212,600	$274,100 (+0.88%) Land $61,500 Building $212,600
2023	$2,576.00 Homeowner's exemption	$271,700 Land $60,900 Building $210,800	$271,700 Land $60,900 Building $210,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
LTD Broadband Fixed Wireless	150 / 130

May also be available: Verizon.

Based on FCC filings for 192 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1850009, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Saint Charles serves 3,825 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.