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

Winona County property record for 949 E 15th St, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,245 sqft · built 2000
Lot Size	0.58 acres (25,292 sqft)
Owner	2 Individual Names on Record
Last Sale	$529,000 (Oct 2018)
Tax Bill	$8,660 (2026)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
APN	`29.046.0120`

Property Details

APN / Parcel Number

Primary APN	`29.046.0120`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,245 sqft Living Area
1st Floor Area	1,470 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2007
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,292 sqft (0.58 acres)
Garage Area	1,308 sqft
Porch	Open Porch
Porch Area	222 sqft
Deck Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	949 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-012 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	29
Legal Subdivision	GOLF COURSE ESTATES
Legal Block	1
Legal Lot Number	12
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	949 E 15TH ST, SAINT CHARLES, MN 55972-1677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	2018612944
Record Updated	Oct 29, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 4, 2018
Property Address	949 E 15TH ST, SAINT CHARLES, MN 55972-1677
Document Number	612944
Instrument Date	Oct 1, 2018
Instrument	612944
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,745.70
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	949 E 15TH ST, SAINT CHARLES, MN 55972-1677

Mortgage

Document Number	612945
Date	Oct 4, 2018
Instrument	612945

Lender

Name	FORESIGHT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Type Change Date	Oct 1, 2025
Change Frequency	Annually
Min Rate At Change	3.65%
Max Rate At Change	7.65%
Index	1-Year CMT
Max Rate	9.65%

Mortgage

Document Number	612946
Date	Oct 4, 2018
Instrument	612946

Lender

Name	NORMAN D DOTY
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$8,660.00 (+24.46%)	$694,400 (+8.69%) Land $61,000 Building $633,400	$694,400 (+8.69%) Land $61,000 Building $633,400
2025		$638,900 (+1.2%) Land $58,100 Building $580,800	$638,900 (+1.2%) Land $58,100 Building $580,800
2023	$6,958.00 Homeowner's exemption	$631,300 Land $57,500 Building $573,800	$631,300 Land $57,500 Building $573,800

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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