Winona County property record for 549 E 4th St, Saint Charles, MN 55972 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,478 sqft · built 1997 |
| Lot Size | 0.905 acres (39,434 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,174 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2020 Mortgage |
| APN | 29.087.0020 |
| Primary APN | 29.087.0020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,478 sqft Living Area |
| 1st Floor Area | 1,458 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 39,434 sqft (0.905 acres) |
| Garage Area | 887 sqft |
| Porch | Open Porch |
| Deck Area | 292 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 549 E 4TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-20 TWP-106 RANGE-010 WHISPERING HILLS 1ST ADD LOT-002 BLOCK-001 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 20 |
| Legal Subdivision | WHISPERING HILLS 1ST ADD |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.087.0020
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 | 549 E 4TH ST, SAINT CHARLES, MN 55972-1370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 09, 2025 | Deed of Trust, Mortgage · Line of Credit BANK PLUS |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 549 E 4TH ST, SAINT CHARLES, MN 55972-1370 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 549 E 4TH ST, SAINT CHARLES, MN 55972-1370 |
| Document Number | 000A664180 |
|---|---|
| Date | Dec 09, 2025 |
| Instrument | A664180 |
| Name | BANK PLUS |
|---|---|
| Type | Bank |
| Address | ESTHERVILLE, IA 51334 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 10, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 549 E 4TH ST, SAINT CHARLES, MN 55972-1370 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 627547 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 627547 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2035 |
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 | $5,174.00 (+20.38%) | ||
| 2025 | $409,500 (+1.19%) Land $62,100 Building $347,400 | $409,500 (+1.19%) Land $62,100 Building $347,400 | |
| 2023 | $4,298.00 Homeowner's exemption | $404,700 Land $61,500 Building $343,200 | $404,700 Land $61,500 Building $343,200 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271696710003, refreshed September 2026 · 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 |
|---|---|
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Nearby Flood Policies | 6 in force 2 of 6 on primary residences |
| Nearby Flood Claims | 3 (2007) |
| Most Recent Claim | Aug 2007, rainfall accumulation, Severe Storms And Flooding |
| Flood Events |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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