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

Winona County property record for 630 E 12th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1966
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Dec 2020)
Tax Bill	$2,818 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2020 Sale & Mortgage + 3 more
APN	`29.000.1230`

Property Details

APN / Parcel Number

Primary APN	`29.000.1230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	360 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	31.6 ft deep x 19.8 ft wide
Garage Area	360 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	276 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Hot Water

Location & Zoning

Street Address	630 E 12TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-051 1.00 AC THAT PART LOT 51 LIMITS COMM SE COR LOT 51 N 89 DEG W MCCS S LINE
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	1,51
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2002
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	630 E 12TH ST, SAINT CHARLES, MN 55972-1604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 18, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 9, 2023	Re-recorded Document
Sep 22, 2020	Affidavit of Death of Joint Tenant, Transfer
Aug 11, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Deed Document Number	2020629907
Prior Transfer Date	Jul 25, 2017
Prior Transfer Doc	604692
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	630 E 12TH ST, SAINT CHARLES, MN 55972-1604
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A647500
Date	Feb 9, 2023
Instrument	A647500

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Jan 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 18, 2020
Property Address	630 E 12TH ST, SAINT CHARLES, MN 55972-1604
Document Number	629907
Instrument Date	Dec 10, 2020
Instrument	629907
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$633.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 E 12TH ST, SAINT CHARLES, MN 55972-1604

Mortgage

Document Number	629909
Date	Dec 18, 2020
Instrument	629909

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

February 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	WINONA MN
Recording Date	Feb 9, 2023
Property Address	630 E 12TH ST, SAINT CHARLES, MN 55972-1604
Document Number	000A647499
Instrument Date	Dec 10, 2020
Instrument	A647499
Record Updated	Feb 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	630 E 12TH ST, SAINT CHARLES, MN 55972-1604

September 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Sep 22, 2020
Property Address	630 E 12TH ST, SAINT CHARLES, MN 55972-1604
Document Number	627568
Instrument Date	Aug 27, 2020
Instrument	627568
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 E 12TH ST, SAINT CHARLES, MN 55972-1603

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Aug 11, 2017
Property Address	630 E 12TH ST, SAINT CHARLES, MN 55972-1604
Document Number	604692
Instrument Date	Jul 25, 2017
Instrument	604692
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,818.00 (+21.47%)
2025		$240,900 (+0.84%) Land $89,900 Building $151,000	$240,900 (+0.84%) Land $89,900 Building $151,000
2023	$2,320.00 Homeowner's exemption	$238,900 Land $89,000 Building $149,900	$238,900 Land $89,000 Building $149,900

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

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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