548 E 14th St, Saint Charles, MN 55972 Property Records

Winona County property record for 548 E 14th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 1947
Lot Size	0.293 acres (12,763 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Dec 2017)
Tax Bill	$4,820 (2026)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
APN	`29.000.1340`

Property Details

APN / Parcel Number

Primary APN	`29.000.1340`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,662 sqft Living Area
1st Floor Area	989 sqft
Basement Area	96 sqft
Finished Basement	96 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1998
Exterior Material	Wood Siding
Construction Type	Log
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,763 sqft (0.293 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Screened Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	548 E 14TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-057 LIMITS PART OF LOTS 57 & 58 COMMENCING 90' EAST OF NW COR LOT 58, THENCE
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	57-58
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2063
Census Tract	671000

Owner

Source: Winona County records · APN 29.000.1340

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	548 E 14TH ST, SAINT CHARLES, MN 55972-1608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 04, 2017 · Amount on Record
Deed Sale	Dec 04, 2017 · Amount on Record
Deed Document Number	2017607027
Record Updated	Jun 08, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 04, 2017
Property Address	548 E 14TH ST, SAINT CHARLES, MN 55972-1608
Document Number	607027
Instrument Date	Nov 30, 2017
Instrument	607027
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	HOME TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$940.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 E 14TH ST, SAINT CHARLES, MN 55972-1608

Mortgage

Document Number	607028
Date	Dec 04, 2017
Instrument	607028

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2047

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	$4,820.00 (+23.4%)
2025		$384,200 (+3.7%) Land $45,600 Building $338,600	$384,200 (+3.7%) Land $45,600 Building $338,600
2023	$3,906.00 Homeowner's exemption	$370,500 Land $45,100 Building $325,400	$370,500 Land $45,100 Building $325,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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	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 162 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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.