Winona County property record for 670 E 4th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,312 sqft · built 1998 |
| Lot Size | 0.601 acres (26,210 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,016 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2019 Transfer |
| APN | 29.087.0150 |
| Primary APN | 29.087.0150 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,302 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,210 sqft (0.601 acres) |
| Garage Area | 846 sqft |
| Deck Area | 438 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 670 E 4TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1373 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-20 TWP-106 RANGE-010 WHISPERING HILLS 1ST ADD LOT-001 BLOCK-003 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 20 |
| Legal Subdivision | WHISPERING HILLS 1ST ADD |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 671000 |
Source: Winona County records, as of September 4, 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 | 670 E 4TH ST, SAINT CHARLES, MN 55972-1373 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST ALLIANCE CU |
| Apr 3, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 29, 2019 |
| Transfer Doc | 616019 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 670 E 4TH ST, SAINT CHARLES, MN 55972-1373 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | 631450 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 631450 |
| Name | FIRST ALLIANCE CU |
|---|---|
| Type | Credit Union |
| Address | STEWARTVILLE, MN 55976 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Dec 1, 2030 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Apr 3, 2019 |
| Property Address | 670 E 4TH ST, SAINT CHARLES, MN 55972-1373 |
| Document Number | 616019 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 616019 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 670 E 4TH ST, SAINT CHARLES, MN 55972-1373 |
Source: Winona County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,016.00 (+23%) Homeowner's exemption | $430,000 (+7.99%) Land $65,200 Building $364,800 | $430,000 (+7.99%) Land $65,200 Building $364,800 |
| 2025 | $398,200 (+3.64%) Land $62,100 Building $336,100 | $398,200 (+3.64%) Land $62,100 Building $336,100 | |
| 2023 | $4,078.00 Homeowner's exemption | $384,200 Land $61,500 Building $322,700 | $384,200 Land $61,500 Building $322,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2007) |
| Most Recent Claim | Aug 2007 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 82% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 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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