825 E 13th St, Saint Charles, MN 55972 Property Records

Winona County property record for 825 E 13th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,551 sqft · built 1988
Lot Size	0.336 acres (14,636 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Feb 2019)
Tax Bill	$4,690 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2021 Line of Credit + 2 more
APN	`29.042.0070`

Property Details

APN / Parcel Number

Primary APN	`29.042.0070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,551 sqft Living Area
1st Floor Area	1,527 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2001
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Log
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,636 sqft (0.336 acres)
Garage Area	1,984 sqft
Porch	Open Porch
Porch Area	154 sqft
Deck Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	825 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 HILLCREST DRIVE ESTATES LOT-007 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	HILLCREST DRIVE
Legal Block	1
Legal Lot Number	7
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	825 E 13TH ST, SAINT CHARLES, MN 55972-1653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Feb 25, 2021	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU
Feb 25, 2019	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2019 · Amount on Record
Deed Sale	Feb 25, 2019 · Amount on Record
Deed Document Number	2019615362
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	825 E 13TH ST, SAINT CHARLES, MN 55972-1653
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A665737
Date	Mar 26, 2026
Instrument	A665737

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	144 Months
Due	Mar 20, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	825 E 13TH ST, SAINT CHARLES, MN 55972-1653
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000631619
Date	Feb 25, 2021
Instrument	631619

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	825 E 13TH ST, SAINT CHARLES, MN 55972-1653
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000624624
Date	May 20, 2020
Instrument	624624

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Feb 25, 2019
Property Address	825 E 13TH ST, SAINT CHARLES, MN 55972-1653
Document Number	0000615362
Instrument Date	Feb 22, 2018
Instrument	615362
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$973.50
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	825 E 13TH ST, SAINT CHARLES, MN 55972-1653

Mortgage

Document Number	0000615363
Date	Feb 25, 2019
Instrument	615363

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$4,690.00 (+5.58%) Homeowner's exemption	$402,000 (+7.26%) Land $51,400 Building $350,600	$402,000 (+7.26%) Land $51,400 Building $350,600
2025	$4,442.00 (+13.26%) Homeowner's exemption	$374,800 (+1.08%) Land $49,000 Building $325,800	$374,800 (+1.08%) Land $49,000 Building $325,800
2023	$3,922.00 Homeowner's exemption	$370,800 Land $48,500 Building $322,300	$370,800 Land $48,500 Building $322,300

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 98% of the US · lower than 92% 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.

Nearby Properties on E 13th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures