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

Winona County property record for 590 E 13th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,656 sqft · built 1910
Lot Size	0.455 acres (19,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Aug 2023)
Tax Bill	$4,106 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Aug 2017 Line of Credit + 3 more
APN	`29.090.0150`

Property Details

APN / Parcel Number

Primary APN	`29.090.0150`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,656 sqft Living Area
1st Floor Area	944 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,820 sqft (0.455 acres)
Lot Dimensions	147 ft deep x 135 ft wide
Garage Type	Detached
Garage Area	640 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	338 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	590 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 WICKERS ADDITION LOT-001 BLOCK-004 W 1/2 LOT 1 & ALL LOTS 2, 3 & 4 EX: W 52' LOT 4
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	WICKERS ADDITION
Legal Block	4
Legal Lot Number	1-4
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2061
Census Tract	671000

Owner

Source: Winona County records, as of April 21, 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 Record
Mailing Address	590 E 13TH ST, SAINT CHARLES, MN 55972-1606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2017	Deed of Trust, Mortgage MAYO EMPLOYEES FCU
Aug 4, 2017	Deed of Trust, Mortgage · Line of Credit MAYO EMPLOYEES FCU
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Aug 28, 2023	Transfer on Death Deed, Transfer
Jul 23, 2021	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on Record
Deed Sale	Aug 28, 2023 · Amount on Record
Prior Sale	Jul 23, 2021 · Amount on Record
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	590 E 13TH ST, SAINT CHARLES, MN 55972-1606
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604548
Date	Aug 4, 2017
Instrument	604548

Lender

Name	MAYO EMPLOYEES FCU
Type	Credit Union
Address	ROCHESTER, MN 55902

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Jul 28, 2027

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	590 E 13TH ST, SAINT CHARLES, MN 55972-1606
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604549
Date	Aug 4, 2017
Instrument	604549

Lender

Name	MAYO EMPLOYEES FCU
Type	Credit Union
Address	ROCHESTER, MN 55902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 3, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 28, 2023
Property Address	590 E 13TH ST, SAINT CHARLES, MN 55972-1606
Document Number	000A650570
Instrument Date	Aug 28, 2023
Instrument	A650570
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
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	590 E 13TH ST, SAINT CHARLES, MN 55972-1606

Mortgage

Document Number	000A650571
Date	Aug 28, 2023
Instrument	A650571

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

August 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINONA MN
Recording Date	Aug 28, 2023
Property Address	590 E 13TH ST, SAINT CHARLES, MN 55972-1606
Document Number	000A650572
Instrument Date	Aug 28, 2023
Instrument	A650572
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 23, 2021
Property Address	590 E 13TH ST, SAINT CHARLES, MN 55972-1606
Document Number	0000635628
Instrument Date	Jul 13, 2021
Instrument	635628
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$953.70
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	590 E 13TH ST, SAINT CHARLES, MN 55972-1606

Mortgage

Document Number	0000635629
Date	Jul 23, 2021
Instrument	635629

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

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	$4,106.00 (+5.01%)
2025	$3,910.00 (+17.28%) Homeowner's exemption	$333,000 (+5.68%) Land $70,200 Building $262,800	$333,000 (+5.68%) Land $70,200 Building $262,800
2023	$3,334.00 Homeowner's exemption	$315,100 Land $69,500 Building $245,600	$315,100 Land $69,500 Building $245,600

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 99.1% of the US · lower than 96% 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	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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