579 E 13th St, Saint Charles, MN 55972 Property Records

Winona County property record for 579 E 13th St, Saint Charles, MN 55972 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1953
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Feb 2021)
Tax Bill	$1,834 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2021 Sale & Mortgage + 2 more
APN	`29.090.0040`

Property Details

APN / Parcel Number

Primary APN	`29.090.0040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	768 sqft
Attic	Attic
Attic Area	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1993
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	90 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	624 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	579 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 WICKERS ADDITION LOT-016 BLOCK-001 W 42' OF LOT 16 & E 22' OF LOT 15
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	WICKERS ADDITION
Legal Block	1
Legal Lot Number	15-16
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2062
Census Tract	671000

Owner

Source: Winona County records · APN 29.090.0040

Assessment roll updated August 5, 2025 · Last verified June 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	579 E 13TH ST, SAINT CHARLES, MN 55972-1605
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Feb 10, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jun 25, 2018	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 08, 2017	Deed of Trust, Mortgage · ARM FORESIGHT BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 10, 2021 · Amount on Record
Deed Sale	Feb 10, 2021 · Amount on Record
Prior Sale	Jun 25, 2018 · Amount on Record
Deed Document Number	2021631281
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	579 E 13TH ST, SAINT CHARLES, MN 55972-1605
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	579 E 13TH ST, SAINT CHARLES, MN 55972-1605

Mortgage

Document Number	000A665046
Date	Feb 11, 2026
Instrument	A665046

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Sep 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Oct 01, 2030
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	6.12%
Index	1-Year T-Bill
Max Rate	6.12%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Feb 10, 2021
Property Address	579 E 13TH ST, SAINT CHARLES, MN 55972-1605
Document Number	631281
Instrument Date	Dec 23, 2020
Instrument	631281
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE & ESCROW CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$547.80
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	579 E 13TH ST, SAINT CHARLES, MN 55972-1605

Mortgage

Document Number	0000631282
Date	Feb 10, 2021
Instrument	631282

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 01, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 25, 2018
Property Address	579 E 13TH ST, SAINT CHARLES, MN 55972-1605
Document Number	610892
Instrument Date	May 21, 2018
Instrument	610892
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
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	579 E 13TH ST, SAINT CHARLES, MN 55972-1605

Mortgage

Document Number	610893
Date	Jun 25, 2018
Instrument	610893

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	579 E 13TH ST, SAINT CHARLES, MN 55972-1605
Transaction Type	Mortgage
Record Updated	Oct 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 605282
Date	Sep 08, 2017
Instrument	605282

Lender

Name	FORESIGHT BANK
Type	Bank
Address	PLAINVIEW, MN 55964

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.2%
Type Change Date	Aug 28, 2020
Change Frequency	Monthly
Min Rate At Change	3.69%
Index	3-Year CMT
Margin	2
Max Rate	11.2%

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified June 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	$1,834.00 (+21.14%)
2025		$170,400 (+2.16%) Land $28,200 Building $142,200	$170,400 (+2.16%) Land $28,200 Building $142,200
2023	$1,514.00 Homeowner's exemption	$166,800 Land $27,900 Building $138,900	$166,800 Land $27,900 Building $138,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 162 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Hiawatha Broadband Communications	Cable	1,000 / 30
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Verizon, Hiawatha Broadband Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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