606 Sunset Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 606 Sunset Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1960
Lot Size	0.423 acres (18,428 sqft)
Owner	Individual Name on File
Tax Bill	$3,086 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2022 Line of Credit + 1 more
APN	`29.075.0020`

Property Details

APN / Parcel Number

Primary APN	`29.075.0020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
1st Floor Area	1,404 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1993
Architectural Style	Split Level
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,428 sqft (0.423 acres)
Garage Type	Detached
Garage Area	864 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Patio Area	1,189 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	606 SUNSET DR
City	SAINT CHARLES
State	MN
Zip	55972-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 SMITH'S 2ND ADDITION LOT-002 BLOCK-001 & E 1/2 LOT 1 BLK 4 WICKERS ADD & TRIANGULAR PARCEL IN NW
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	SMITHS 2ND ADDITION
Legal Block	1,4
Legal Lot Number	1-3
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2061
Census Tract	671000

Owner

606 Sunset Dr is owned and occupied by an individual who acquired it in January 2012.

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

Owner of Record	Individual Name on File
Mailing Address	606 SUNSET DR, SAINT CHARLES, MN 55972-1618
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Apr 27, 2022	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 25, 2012
Transfer Doc	A562873
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Jun 26, 2026
Property Address	606 SUNSET DR, SAINT CHARLES, MN 55972-1618
Document Number	0000667513
Instrument Date	Jun 22, 2026
Instrument	2026667513
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	0000667513,
Date	Jun 26, 2026
Instrument	2026667513

Lender

Name	MERCHANTS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	606 SUNSET DR, SAINT CHARLES, MN 55972-1618
Transaction Type	Mortgage
Record Updated	May 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	000A642326
Date	Apr 27, 2022
Instrument	A642326

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	606 SUNSET DR, SAINT CHARLES, MN 55972-1618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	624200
Date	May 4, 2020
Instrument	624200

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 606 Sunset Dr was $3,086 with a homeowner's exemption.

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	$3,086.00 Homeowner's exemption	$275,500 (+5.96%) Land $39,000 Building $236,500	$275,500 (+5.96%) Land $39,000 Building $236,500
2025		$260,000 Land $37,200 Building $222,800	$260,000 Land $37,200 Building $222,800
2023	$2,524.00 Homeowner's exemption	$256,400 Land $36,800 Building $219,600	$256,400 Land $36,800 Building $219,600

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

Flood

FEMA has no flood map on file for 606 Sunset Dr.

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

Wildfire risk around 606 Sunset Dr is low, with less than a 0.01% annual chance of 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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