679 Sunset Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 679 Sunset Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1977
Lot Size	0.253 acres (11,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,500 (Jul 2022)
Tax Bill	$3,088 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Jul 2022 Sale & Mortgage + 1 more
APN	`29.075.0100`

Property Details

APN / Parcel Number

Primary APN	`29.075.0100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	96 sqft
Unfinished Basement	96 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1996
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,021 sqft (0.253 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Area	520 sqft
Deck Area	414 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	679 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-005 BLOCK-002
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	SMITHS 2ND ADDITION
Legal Block	2
Legal Lot Number	5
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 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	679 SUNSET DR, SAINT CHARLES, MN 55972-1617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2022	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Jul 19, 2022	Warranty Deed, Transfer · Conventional Mortgage QRL FINANCIAL SERVICES
May 26, 2017	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2022 · Amount on Record
Deed Sale	Jul 5, 2022 · Amount on Record
Deed Document Number	20221441855
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	679 SUNSET DR, SAINT CHARLES, MN 55972-1617
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	679 SUNSET DR, SAINT CHARLES, MN 55972-1617

Mortgage

Document Number	000A643623
Date	Jun 23, 2022
Instrument	A643623

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 19, 2022
Property Address	679 SUNSET DR, SAINT CHARLES, MN 55972-1617
Document Number	000A644086
Instrument Date	Jul 5, 2022
Instrument	A644086
Transaction Type	Transfer
Record Updated	Aug 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.50
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	679 SUNSET DR, SAINT CHARLES, MN 55972-1617

Mortgage

Document Number	000A644087
Date	Jul 19, 2022
Instrument	A644087

Lender

Name	QRL FINANCIAL SERVICES
Type	Lending Institution
Address	MADISON, WI 53717

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	679 SUNSET DR, SAINT CHARLES, MN 55972-1617
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	602962
Date	May 26, 2017
Instrument	602962

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,088.00 (+22.73%) Homeowner's exemption	$277,800 (+6.81%) Land $46,200 Building $231,600	$277,800 (+6.81%) Land $46,200 Building $231,600
2025		$260,100 (+2.12%) Land $44,000 Building $216,100	$260,100 (+2.12%) Land $44,000 Building $216,100
2023	$2,516.00 Homeowner's exemption	$254,700 Land $43,500 Building $211,200	$254,700 Land $43,500 Building $211,200

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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