698 Sunset Dr, Saint Charles, MN 55972 Property Records

Winona County property record for 698 Sunset Dr, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,366 sqft · built 1966
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Aug 2025)
Tax Bill	$2,758 (2026)
Deeds & Mortgages	Sep 2024 Line of Credit Aug 2021 Line of Credit + 4 more
APN	`29.000.1290`

Property Details

APN / Parcel Number

Primary APN	`29.000.1290`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,366 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	196 sqft
Unfinished Basement	196 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,623 sqft (0.175 acres)
Lot Dimensions	90 ft deep x 85 ft wide
Garage Area	416 sqft
Deck Area	300 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	698 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 LIMITS ST CHARLES LOT-052 LIMITS PAR 85' X 90' IN LOTS 52 & 53 COM NE CORNER LOT 5 BLK 1 2ND
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Block	1
Legal Lot Number	5,52-53
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2061
Census Tract	671000

Owner

Source: Winona County assessment roll, as of August 5, 2025

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 File
Mailing Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2024	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Aug 23, 2021	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK
Aug 25, 2025	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Jun 14, 2019	Affidavit of Death of Joint Tenant, Transfer ROCHESTER TITLE
Jun 14, 2019	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2025 · Amount on Record
Deed Sale	Aug 25, 2025 · Amount on Record
Prior Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	2025662347
Prior Transfer Date	Sep 24, 2024
Prior Transfer Doc	000A656878
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	000A656705
Date	Sep 17, 2024
Instrument	A656705

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	RUSHFORD, MN 55971

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	0000636336
Date	Aug 23, 2021
Instrument	636336

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000623004
Date	Mar 3, 2020
Instrument	623004

Lender

Name	MERCHANTS BANK
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2035

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 25, 2025
Property Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618
Document Number	000A662347
Instrument Date	Aug 22, 2025
Instrument	A662347
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$957.00
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	698 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	000A662348
Date	Aug 25, 2025
Instrument	A662348

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

June 2019: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Jun 14, 2019
Property Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618
Document Number	617324
Instrument Date	May 29, 2019
Instrument	617324
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

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
Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 14, 2019
Property Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618
Document Number	617348
Instrument Date	May 29, 2019
Instrument	617348
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	698 SUNSET DR, SAINT CHARLES, MN 55972-1618

Mortgage

Document Number	0000617349
Date	Jun 14, 2019
Instrument	617349

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

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	$2,758.00 (+4%)
2025	$2,652.00 (+21.65%) Homeowner's exemption	$236,600 (+4.6%) Land $35,500 Building $201,100	$236,600 (+4.6%) Land $35,500 Building $201,100
2023	$2,180.00 Homeowner's exemption	$226,200 Land $35,100 Building $191,100	$226,200 Land $35,100 Building $191,100

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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