562 E 4th St, Saint Charles, MN 55972 Property Records

Winona County property record for 562 E 4th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,758 sqft · built 1999
Lot Size	0.71 acres (30,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Dec 2018)
Tax Bill	$5,742 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2018 Sale & Mortgage + 1 more
APN	`29.087.0080`

Property Details

APN / Parcel Number

Primary APN	`29.087.0080`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,758 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,956 sqft (0.71 acres)
Garage Area	672 sqft
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	562 E 4TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 WHISPERING HILLS 1ST ADD LOT-001 BLOCK-002
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	WHISPERING HILLS 1ST ADD
Legal Block	2
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3024
Census Tract	671000

Owner

Source: Winona County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	562 E 5TH ST, SAINT CHARLES, MN 55972-1355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Dec 14, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Dec 14, 2018	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2018 · Amount on Record
Deed Sale	Dec 14, 2018 · Amount on Record
Deed Document Number	2018614286
Prior Transfer Date	Dec 10, 2018
Prior Transfer Doc	614285
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	562 E 4TH ST, SAINT CHARLES, MN 55972-1369
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	629236
Date	Nov 24, 2020
Instrument	629236

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 14, 2018
Property Address	562 E 4TH ST, SAINT CHARLES, MN 55972-1369
Document Number	614286
Instrument Date	Dec 10, 2018
Instrument	614286
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$990.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	34 MILES LN APT 2, 2, WATSONVILLE, CA 95076-3182

Mortgage

Document Number	614287
Date	Dec 14, 2018
Instrument	614287

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

December 2018: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Dec 14, 2018
Property Address	562 E 4TH ST, SAINT CHARLES, MN 55972-1369
Document Number	614285
Instrument Date	Dec 10, 2018
Instrument	614285
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	562 E 4TH ST, SAINT CHARLES, MN 55972-1369

Tax Assessment & Valuation

Source: Winona County assessment roll, as of September 4, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,742.00 (+25.48%) Homeowner's exemption	$487,100 (+8.22%) Land $65,200 Building $421,900	$487,100 (+8.22%) Land $65,200 Building $421,900
2025		$450,100 (+1.72%) Land $62,100 Building $388,000	$450,100 (+1.72%) Land $62,100 Building $388,000
2023	$4,576.00 Homeowner's exemption	$442,500 Land $61,500 Building $381,000	$442,500 Land $61,500 Building $381,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 3 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 82% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Saint Charles serves 3,825 people · EPA ID MN1850009
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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