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554 E 12th St, Saint Charles, MN 55972 Property Records

Winona County property record for 554 E 12th St, Saint Charles, MN 55972

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 996 sqft · built 1959
Lot Size0.201 acres (8,756 sqft)
OwnerIndividual Name on File
Last Sale$182,000 (Apr 2021)
Tax Bill$2,310 (2026)
Deeds & MortgagesMay 2019 Mortgage
Apr 2021 Sale & Mortgage
+ 2 more
APN29.070.0040

Property Details

APN / Parcel Number

Primary APN29.070.0040

Interior

Bedrooms2 Beds
Full Baths1 Bath
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area996 sqft Living Area
1st Floor Area996 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1995
Architectural StyleRanch
Exterior MaterialMetal
Construction TypeMetal Frame
Roof TypeHip
Roof MaterialAsphalt
Lot Area8,756 sqft (0.201 acres)
Lot Dimensions120 ft deep x 73 ft wide
Garage Area364 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address554 E 12TH ST
CitySAINT CHARLES
StateMN
Zip55972-1602
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-20 TWP-106 RANGE-010 SMITH'S 1ST ADDITION LOT-004 BLOCK-001
Legal Range010
Legal Township106
Legal Section20
Legal SubdivisionSMITHS 1ST ADDITION
Legal Block1
Legal Lot Number4
JurisdictionWINONA MN
Township / Civil DivisionST. CHARLES
Census Block Group2
Census Block2004
Census Tract671000

Owner

Source: Winona County records · APN 29.070.0040

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 RecordIndividual Name on File
Mailing Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 28, 2019Deed of Trust, Mortgage · FHA Mortgage
BAY EQUITY LLC
Apr 02, 2021Warranty Deed, Transfer · VA Mortgage
MORTGAGE RESEARCH CENTER LLC
Sep 03, 2020Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
May 28, 2019Warranty Deed, Transfer · Stand-Alone Second Mortgage
BAY EQUITY LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 02, 2021 · Amount on Record
Deed SaleApr 02, 2021 · Amount on Record
Prior SaleMay 28, 2019 · Amount on Record
Deed Document Number2021632623
Record UpdatedJun 08, 2026

May 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINONA MN
Property Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602
Transaction TypeMortgage
Record UpdatedAug 11, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number0000617003
DateMay 28, 2019
Instrument617003
Lender
NameBAY EQUITY LLC
TypeMortgage Company
AddressSAUSALITO, CA 94965
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINONA MN
Recording DateApr 02, 2021
Property Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602
Document Number632623
Instrument DateMar 31, 2021
Instrument632623
Transaction TypeTransfer
Record UpdatedJun 22, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$600.60
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602

Mortgage

Document Number632624
DateApr 02, 2021
Instrument632624
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINONA MN
Property Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602

Mortgage

Document Number627103
DateSep 03, 2020
Instrument627103
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINONA MN
Recording DateMay 28, 2019
Property Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602
Document Number617002
Instrument DateMay 14, 2019
Instrument617002
Transaction TypeTransfer
Record UpdatedJun 22, 2021
Title CompanyHANSEN TITLE AND LEGAL SERVICES, HANSEN TTL & LEGAL SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$521.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address554 E 12TH ST, SAINT CHARLES, MN 55972-1602

Mortgage

Document Number617004
DateMay 28, 2019
Instrument617004
Lender
NameBAY EQUITY LLC
TypeMortgage Company
AddressCONCORD, CA 94520
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyWinona County
MunicipalitySt. Charles City
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$2,310.00 (+27.06%)
2025$204,500 (+0.49%) Land $37,300 Building $167,200$204,500 (+0.49%) Land $37,300 Building $167,200
2023$1,818.00 Homeowner's exemption$203,500 Land $36,900 Building $166,600$203,500 Land $36,900 Building $166,600

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 ZoneNot on file

Wildfire

Wildfire RiskLow
lower than 97% of the US · lower than 89% of Minnesota
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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

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

May also be available: Verizon.

Based on FCC filings for 365 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 SystemSaint Charles
serves 3,825 people
Water SourceGroundwater
Last State InspectionJul 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

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