Winona County property record for 902 E 15th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,248 sqft · built 2004 |
| Lot Size | 0.849 acres (36,981 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $363,000 (Dec 2021) |
| Tax Bill | $4,396 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit Sep 2025 Line of Credit + 3 more |
| APN | 29.046.0180 |
| Primary APN | 29.046.0180 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Split Level |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 36,981 sqft (0.849 acres) |
| Garage Area | 576 sqft |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 902 E 15TH ST |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1676 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-29 TWP-106 RANGE-010 GOLF COURSE ESTATES 2ND LOT-018 BLOCK-001 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 29 |
| Legal Subdivision | GOLF COURSE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.046.0180
Assessment roll updated August 5, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2025 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Sep 09, 2025 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Jan 26, 2022 | Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA |
| Dec 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK |
| Mar 08, 2021 | Warranty Deed, Transfer · Commercial Mortgage PREMIER BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 30, 2021 · Amount on Record |
| Deed Sale | Dec 30, 2021 · Amount on Record |
| Prior Sale | Mar 08, 2021 · Amount on Record |
| Deed Document Number | 2021639849 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 000A663356 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | A663356 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 18, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 000A662635 |
|---|---|
| Date | Sep 09, 2025 |
| Instrument | A662635 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MN 55972 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 06, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 000A640461 |
|---|---|
| Date | Jan 26, 2022 |
| Instrument | A640461 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55902 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 24, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Dec 30, 2021 |
| Property Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 000A639849 |
| Instrument Date | Dec 21, 2021 |
| Instrument | A639849 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | ROCHESTER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,197.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 000A639850 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | A639850 |
| Name | MERCHANTS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Mar 08, 2021 |
| Property Address | 902 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 631904 |
| Instrument Date | Mar 05, 2021 |
| Instrument | 631904 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $772.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 607 WHITEWATER AVE, SAINT CHARLES, MN 55972-1124 |
| Investor | Possibly a Property Investor |
| Document Number | 631905 |
|---|---|
| Date | Mar 08, 2021 |
| Instrument | 631905 |
| Name | PREMIER BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 10, 2022 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,396.00 (+2.45%) | ||
| 2025 | $4,291.00 (+14.92%) Homeowner's exemption | $353,700 (+1.75%) Land $54,500 Building $299,200 | $353,700 (+1.75%) Land $54,500 Building $299,200 |
| 2023 | $3,734.00 Homeowner's exemption | $347,600 Land $54,000 Building $293,600 | $347,600 Land $54,000 Building $293,600 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 37 (1982–2007) |
| Claims Outside the SFHA | 2 of 37 |
| Most Recent Claim | Aug 2007 · Severe Storms And Flooding |
| Claims by Event |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable | 1,000 / 50 |
| Hiawatha Broadband Communications Cable · Fiber in parts of the area | 1,000 / 30 |
| LTD Broadband Fixed Wireless | 150 / 130 |
May also be available: Verizon.
Based on FCC filings for 162 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Charles serves 3,825 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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