Winona County property record for 531 E 13th St, Saint Charles, MN 55972 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1955 |
| Lot Size | 0.167 acres (7,275 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,000 (Jan 2022) |
| Tax Bill | $810 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Jan 2022 Sale & Mortgage + 1 more |
| APN | 29.090.0010 |
| Primary APN | 29.090.0010 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,275 sqft (0.167 acres) |
| Lot Dimensions | 90 ft deep x 81 ft wide |
| Garage Area | 676 sqft |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Deck Area | 240 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 531 E 13TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-20 TWP-106 RANGE-010 WICKERS ADDITION LOT-012 BLOCK-001 & LOT 13 EX: E 25.58' LOT 13 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 20 |
| Legal Subdivision | WICKERS ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 12-13 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2062 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.090.0010
Assessment roll updated August 5, 2025 · Last verified August 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 13TH ST, SAINT CHARLES, MN 55972-1605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2026 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK |
| Jan 27, 2022 | Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA |
| Oct 19, 2017 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 27, 2022 · Amount on Record |
| Deed Sale | Jan 27, 2022 · Amount on Record |
| Deed Document Number | 2022640477 |
| Prior Transfer Date | Oct 16, 2017 |
| Prior Transfer Doc | 0000606218 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | May 22, 2026 |
| Property Address | 531 E 13TH ST, SAINT CHARLES, MN 55972-1605 |
| Document Number | 0000666758 |
| Instrument Date | May 15, 2026 |
| Instrument | 2026666758 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 531 E 13TH ST, SAINT CHARLES, MN 55972-1605 |
| Document Number | 0000666758, |
|---|---|
| Date | May 22, 2026 |
| Instrument | 2026666758 |
| Name | MERCHANTS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Jan 27, 2022 |
| Property Address | 531 E 13TH ST, SAINT CHARLES, MN 55972-1605 |
| Document Number | 000A640477 |
| Instrument Date | Jan 26, 2022 |
| Instrument | A640477 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $293.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 531 E 13TH ST, SAINT CHARLES, MN 55972-1605 |
| Document Number | 000A640479 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | A640479 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Oct 19, 2017 |
| Property Address | 531 E 13TH ST, SAINT CHARLES, MN 55972-1605 |
| Document Number | 0000606218 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 606218 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 83, DOVER, MN 55929-0083 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
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 | $810.00 (+15.38%) | ||
| 2025 | $97,100 (-3.48%) Land $34,100 Building $63,000 | $97,100 (-3.48%) Land $34,100 Building $63,000 | |
| 2023 | $702.00 Homeowner's exemption | $100,600 Land $33,700 Building $66,900 | $100,600 Land $33,700 Building $66,900 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| Wildfire Risk | Low above 3% of the US · above 11% of Minnesota |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 365 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mediacom Communications | Cable | 1,000 / 50 |
| Hiawatha Broadband Communications | Cable | 1,000 / 30 |
| LTD Broadband | Fixed Wireless (licensed-by-rule) | 150 / 130 |
May also be available at this address: Hiawatha Broadband Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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