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637 E 8th St, Saint Charles, MN 55972 Property Records

Winona County property record for 637 E 8th St, Saint Charles, MN 55972

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,764 sqft · built 1969
Lot Size0.316 acres (13,765 sqft)
Owner2 Individual Names on File
Last Sale$165,000 (Mar 2017)
Tax Bill$3,428 (2026)
Deeds & MortgagesNov 2020 Line of Credit
May 2020 Mortgage
+ 1 more
APN29.000.1190

Property Details

APN / Parcel Number

Primary APN29.000.1190

Interior

Bedrooms4 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,764 sqft Living Area
1st Floor Area576 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1969
Effective Year BuiltEffective 1993
Exterior MaterialWood Siding
Construction TypeLog
Roof TypeGable
Roof MaterialAsphalt
Lot Area13,765 sqft (0.316 acres)
Lot Dimensions138 ft deep x 100 ft wide
Garage Area484 sqft
PorchOpen Porch
Porch Area686 sqft
Deck Area515 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address637 E 8TH ST
CitySAINT CHARLES
StateMN
Zip55972-1472
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-048 LIMITS PARCEL 100' X 138' COMMENCING SE CORNER LOT 10 MILLARDS ADDITION
Legal Range010
Legal Township106
Legal Section20
Legal SubdivisionLIMITS
Legal Lot Number10,48
JurisdictionWINONA MN
Township / Civil DivisionST. CHARLES
Census Block Group2
Census Block2002
Census Tract671000

Owner

Source: Winona County records · APN 29.000.1190

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 Record2 Individual Names on File
Mailing Address637 E 8TH ST, SAINT CHARLES, MN 55972-1472
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 02, 2020Deed of Trust, Mortgage · Line of Credit
MERCHANTS BANK NA
May 05, 2020Deed of Trust, Mortgage · Conventional Mortgage
MERCHANTS BANK NA
Mar 07, 2017Warranty Deed, Transfer · Conventional Mortgage
MERCHANTS BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 07, 2017 · Amount on Record
Deed SaleMar 07, 2017 · Amount on Record
Prior SaleAug 07, 2015 · Amount on Record
Deed Document Number2017601412
Record UpdatedJun 08, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINONA MN
Property Address637 E 8TH ST, SAINT CHARLES, MN 55972-1472
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address637 E 8TH ST, SAINT CHARLES, MN 55972-1472

Mortgage

Document Number628668
DateNov 02, 2020
Instrument628668
Lender
NameMERCHANTS BANK NA
TypeBank
AddressSAINT CHARLES, MN 55972
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueOct 26, 2050
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINONA MN
Property Address637 E 8TH ST, SAINT CHARLES, MN 55972-1472
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number624242
DateMay 05, 2020
Instrument624242
Lender
NameMERCHANTS BANK NA
TypeBank
AddressWINONA, MN 55987
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 01, 2035

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINONA MN
Recording DateMar 07, 2017
Property Address637 E 8TH ST, SAINT CHARLES, MN 55972-1472
Document Number601412
Instrument DateMar 03, 2017
Instrument601412
Transaction TypeTransfer
Record UpdatedJun 22, 2021
Title CompanyMINNESOTA SECURED TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$544.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address637 E 8TH ST, SAINT CHARLES, MN 55972-1472

Mortgage

Document Number601413
DateMar 07, 2017
Instrument601413
Lender
NameMERCHANTS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2047

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyWinona County
MunicipalitySt. Charles City
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$3,428.00 (+23.31%)
2025$284,500 (+1.72%) Land $51,700 Building $232,800$284,500 (+1.72%) Land $51,700 Building $232,800
2023$2,780.00 Homeowner's exemption$279,700 Land $51,100 Building $228,600$279,700 Land $51,100 Building $228,600

Flood & Wildfire

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

Flood

FEMA Flood ZoneNot on file

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 92% of Minnesota
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

ProviderMax Down / Up (Mbps)
Mediacom Communications
Cable · Fiber in parts of the area		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 192 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1850009, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSaint Charles
serves 3,825 people
Water SourceGroundwater
Last State InspectionJul 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

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