676 Sunset Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 676 Sunset Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,284 sqft · built 1966
Lot Size	0.186 acres (8,102 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,900 (Jul 2019)
Tax Bill	$2,532 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more
APN	`29.075.0050`

Property Details

APN / Parcel Number

Primary APN	`29.075.0050`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	90 ft deep x 90 ft wide
Garage Area	416 sqft
Deck Area	276 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	676 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-005 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	SMITHS 2ND ADDITION
Legal Block	1
Legal Lot Number	5
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2061
Census Tract	671000

Owner

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	676 SUNSET DR, SAINT CHARLES, MN 55972-1618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AFFINITY PLUS FCU
Jul 9, 2019	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU
Nov 9, 2018	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on Record
Deed Sale	Jul 9, 2019 · Amount on Record
Deed Document Number	2019617853
Last Transfer Date	Feb 17, 2021
Transfer Doc	632879
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Apr 12, 2021
Property Address	676 SUNSET DR, SAINT CHARLES, MN 55972-1618
Document Number	632879
Instrument Date	Feb 17, 2021
Instrument	632879
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	AFFINITY PLUS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	676 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	632880
Date	Apr 12, 2021
Instrument	632880

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 1, 2036

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 9, 2019
Property Address	676 SUNSET DR, SAINT CHARLES, MN 55972-1618
Document Number	617853
Instrument Date	May 29, 2019
Instrument	617853
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$593.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	617854
Date	Jul 9, 2019
Instrument	617854

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jun 1, 2039

November 2018: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WINONA MN
Recording Date	Nov 9, 2018
Property Address	676 SUNSET DR, SAINT CHARLES, MN 55972-1618
Document Number	613629
Instrument Date	Oct 16, 2018
Instrument	613629
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33915 57TH AVE, CANNON FALLS, MN 55009-4216

Tax Assessment & Valuation

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	$2,532.00 (+25.35%) Homeowner's exemption	$235,300 (+6.76%) Land $39,000 Building $196,300	$235,300 (+6.76%) Land $39,000 Building $196,300
2025		$220,400 (+3.62%) Land $37,200 Building $183,200	$220,400 (+3.62%) Land $37,200 Building $183,200
2023	$2,020.00 Homeowner's exemption	$212,700 Land $36,800 Building $175,900	$212,700 Land $36,800 Building $175,900

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 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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