925 E 15th St, Saint Charles, MN 55972 Property Records

Winona County property record for 925 E 15th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,674 sqft · built 1992
Lot Size	0.542 acres (23,621 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,656 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2021 Line of Credit
APN	`29.046.0110`

Property Details

APN / Parcel Number

Primary APN	`29.046.0110`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,674 sqft Living Area
1st Floor Area	1,656 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,621 sqft (0.542 acres)
Garage Area	568 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	608 sqft
Patio Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	925 E 15TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-29 TWP-106 RANGE-010 GOLF COURSE ESTATES 2ND LOT-011 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	29
Legal Subdivision	GOLF COURSE ESTATES
Legal Block	1
Legal Lot Number	11
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1013
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	925 E 15TH ST, SAINT CHARLES, MN 55972-1677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Jul 23, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Jun 22, 2026
Property Address	925 E 15TH ST, SAINT CHARLES, MN 55972-1677
Document Number	0000667405
Instrument Date	Jun 22, 2026
Instrument	2026667405
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 E 15TH ST, SAINT CHARLES, MN 55972-1677

Mortgage

Document Number	0000667405,
Date	Jun 22, 2026
Instrument	2026667405

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2056

Interest

Rate	6.51%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	925 E 15TH ST, SAINT CHARLES, MN 55972-1677
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 E 15TH ST, SAINT CHARLES, MN 55972-1677

Mortgage

Document Number	635643
Date	Jul 23, 2021
Instrument	635643

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 8, 2041

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	$4,656.00 (+19.08%) Homeowner's exemption	$403,000 (+8.22%) Land $61,000 Building $342,000	$403,000 (+8.22%) Land $61,000 Building $342,000
2025		$372,400 (+1.33%) Land $58,100 Building $314,300	$372,400 (+1.33%) Land $58,100 Building $314,300
2023	$3,910.00 Homeowner's exemption	$367,500 Land $57,500 Building $310,000	$367,500 Land $57,500 Building $310,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 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	Severe Storms And Flooding, Aug 2007 · 10 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

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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