649 Sunset Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 649 Sunset Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1957
Lot Size	0.338 acres (14,723 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jul 2020)
Tax Bill	$2,528 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Jul 2020 Sale & Mortgage + 1 more
APN	`29.075.0080`

Property Details

APN / Parcel Number

Primary APN	`29.075.0080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	1,484 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,723 sqft (0.338 acres)
Lot Dimensions	134 ft deep x 110 ft wide
Porch	Open Porch
Porch Area	144 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	649 SUNSET DR
City	SAINT CHARLES
State	MN
Zip	55972-1617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 SMITH'S 2ND ADDITION LOT-003 BLOCK-002
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	SMITHS 2ND ADDITION
Legal Block	2
Legal Lot Number	3
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2002
Census Tract	671000

Owner

649 Sunset Dr is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	649 SUNSET DR, SAINT CHARLES, MN 55972-1617
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
Mar 26, 2019	Deed of Trust, Mortgage · FHA Mortgage RESULTS MORTGAGE LLC
Jul 27, 2020	Warranty Deed, Transfer · Conventional Mortgage HOME FEDERAL SAVINGS BANK
Mar 26, 2019	Warranty Deed, Transfer · Stand-Alone Second Mortgage RESULTS MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	Mar 26, 2019 · Amount on File
Deed Document Number	2020626149
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	649 SUNSET DR, SAINT CHARLES, MN 55972-1617
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000615851
Date	Mar 26, 2019
Instrument	615851

Lender

Name	RESULTS MORTGAGE LLC
Type	Mortgage Company
Address	EDEN PRAIRIE, MN 55344

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 27, 2020
Property Address	649 SUNSET DR, SAINT CHARLES, MN 55972-1617
Document Number	626149
Instrument Date	Jul 24, 2020
Instrument	626149
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
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	649 SUNSET DR, SAINT CHARLES, MN 55972-1617

Mortgage

Document Number	626150
Date	Jul 27, 2020
Instrument	626150

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 26, 2019
Property Address	649 SUNSET DR, SAINT CHARLES, MN 55972-1617
Document Number	615850
Instrument Date	Mar 22, 2019
Instrument	615850
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$464.31
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SUNSET DR, SAINT CHARLES, MN 55972-1617

Mortgage

Document Number	615852
Date	Mar 26, 2019
Instrument	615852

Lender

Name	RESULTS MORTGAGE LLC
Type	Mortgage Company
Address	EDEN PRAIRIE, MN 55344

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 649 Sunset Dr was $2,528 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	$2,528.00 Homeowner's exemption	$234,800 (+6.73%) Land $57,900 Building $176,900	$234,800 (+6.73%) Land $57,900 Building $176,900
2025		$220,000 Land $55,200 Building $164,800	$220,000 Land $55,200 Building $164,800
2023	$1,944.00 Homeowner's exemption	$207,200 Land $54,600 Building $152,600	$207,200 Land $54,600 Building $152,600

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 649 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 649 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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