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

Winona County property record for 591 E 12th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,180 sqft · built 1987
Lot Size	0.998 acres (43,473 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,774 (2026)
Deeds & Mortgages	Sep 2020 Mortgage
APN	`29.000.1210`

Property Details

APN / Parcel Number

Primary APN	`29.000.1210`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,180 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,473 sqft (0.998 acres)
Lot Dimensions	286 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	384 sqft
Porch	Open Porch
Porch Area	180 sqft
Deck Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	591 E 12TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-049 LIMITS E 152 1/2' OF LOT & 65' X 286' IN LOT 51 COMMENCING 725' EAST OF
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	49,51
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2002
Census Tract	671000

Owner

Source: Winona County records · APN 29.000.1210

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	591 E 12TH ST, SAINT CHARLES, MN 55972-1601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	591 E 12TH ST, SAINT CHARLES, MN 55972-1601
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	627224
Date	Sep 09, 2020
Instrument	627224

Lender

Name	MERCHANTS BANK NATIONAL ASSOCIATION
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2035

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 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	$4,774.00 (+26.5%)
2025		$380,900 (+3.65%) Land $90,000 Building $290,900	$380,900 (+3.65%) Land $90,000 Building $290,900
2023	$3,774.00 Homeowner's exemption	$367,500 Land $89,000 Building $278,500	$367,500 Land $89,000 Building $278,500

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 Zone	Not on file

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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

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

May also be available: Verizon.

Based on FCC filings for 162 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 System	Saint Charles serves 3,825 people
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 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.