Winona County property record for 531 E 8th St, Saint Charles, MN 55972 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,344 sqft Living Area |
| Lot Size | 10,846 sqft (0.249 acres) |
| Garage | 1,904 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $3,130.00 (2026) |
| Primary APN | 29.050.0060 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,064 sqft 1st Floor |
| Basement Area | 280 sqft Basement |
| Unfinished Basement | 280 sqft Unfinished |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,846 sqft (0.249 acres) |
| Lot Dimensions | 128 ft deep x 85 ft wide |
| Garage Area | 1,904 sqft Garage |
| Porch | Open Porch |
| Porch Area | 336 sqft Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 531 E 8TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-20 TWP-106 RANGE-010 MILLARDS ADD LOT-006 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 20 |
| Legal Subdivision | MILLARDS ADD |
| Legal Lot Number | 6 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.050.0060
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 8TH ST, SAINT CHARLES, MN 55972-1441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA |
| Aug 06, 2020 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Feb 03, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage MERCHANTS BANK NA |
| Feb 03, 2020 | Affidavit of Death of Joint Tenant, Transfer KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TTL UNITED LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jan 20, 2020 |
| Transfer Doc | 622459 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 531 E 8TH ST, SAINT CHARLES, MN 55972-1441 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2021 |
| Name | Verified Name |
|---|
| Document Number | 637953 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 637953 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | 55978 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 531 E 8TH ST, SAINT CHARLES, MN 55972-1441 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 626426 |
|---|---|
| Date | Aug 06, 2020 |
| Instrument | 626426 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | WINONA, MN 55987 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 03, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Feb 03, 2020 |
| Property Address | 531 E 8TH ST, SAINT CHARLES, MN 55972-1441 |
| Document Number | 622460 |
| Instrument Date | Jan 20, 2020 |
| Instrument | 622460 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TTL UNITED LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 531 E 8TH ST, SAINT CHARLES, MN 55972-1441 |
| Document Number | 622461 |
|---|---|
| Date | Feb 03, 2020 |
| Instrument | 622461 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.93% |
| Type Change Date | Feb 01, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 6.93% |
| Index | 1-Year CMT |
| Max Rate | 10.9% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Feb 03, 2020 |
| Property Address | 531 E 8TH ST, SAINT CHARLES, MN 55972-1441 |
| Document Number | 622459 |
| Instrument Date | Jan 20, 2020 |
| Instrument | 622459 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TTL UNITED LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 531 E 8TH ST, SAINT CHARLES, MN 55972-1441 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 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 | $3,130.00 (+24.21%) | ||
| 2025 | $263,200 (+2.53%) Land $43,200 Building $220,000 | $263,200 (+2.53%) Land $43,200 Building $220,000 | |
| 2023 | $2,520.00 Homeowner's exemption | $256,700 Land $42,700 Building $214,000 | $256,700 Land $42,700 Building $214,000 |
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 | FEMA flood map data for this location is not available in our records |
|---|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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