Winona County property record for 950 E 15th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,484 sqft · built 1992 |
| Lot Size | 0.94 acres (40,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $374,500 (Oct 2015) |
| Tax Bill | $5,830 (2026) |
| Deeds & Mortgages | Jun 2022 Second Mortgage Jul 2023 Second Mortgage + 3 more |
| APN | 29.046.0160 |
| Primary APN | 29.046.0160 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,484 sqft Living Area |
| 1st Floor Area | 1,002 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 40,969 sqft (0.94 acres) |
| Garage Area | 624 sqft |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Deck Area | 292 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 950 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-016 BLOCK-001 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 29 |
| Legal Subdivision | GOLF COURSE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.046.0160
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 | 950 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME FEDERAL SAVINGS BANK |
| Jul 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME FEDERAL SAVINGS BANK |
| Dec 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME FEDERAL SAVINGS BANK |
| Oct 10, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME FEDERAL SAVINGS BANK |
| Jul 02, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOME FEDERAL SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 30, 2015 · Amount on Record |
| Deed Sale | Oct 30, 2015 · Amount on Record |
| Prior Sale | May 02, 2011 |
| Deed Document Number | 2015433086 |
| Prior Transfer Date | Apr 20, 2011 |
| Prior Transfer Doc | A555087 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 950 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000A643443 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | A643443 |
| Name | HOME FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55901 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 83 Months |
| Due | May 15, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 950 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000A649984 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | A649984 |
| Name | HOME FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55901 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 15, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 950 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 629927 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 629927 |
| Name | HOME FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 950 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2019 |
| Name | Verified Name |
|---|
| Document Number | 619978 |
|---|---|
| Date | Oct 10, 2019 |
| Instrument | 619978 |
| Name | HOME FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55901 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Sep 15, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 950 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2018 |
| Name | Verified Name |
|---|
| Document Number | 611058 |
|---|---|
| Date | Jul 02, 2018 |
| Instrument | 611058 |
| Name | HOME FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55901 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jun 15, 2028 |
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 | $5,830.00 (+19.96%) | ||
| 2025 | $456,400 (+1.63%) Land $62,100 Building $394,300 | $456,400 (+1.63%) Land $62,100 Building $394,300 | |
| 2023 | $4,860.00 Homeowner's exemption | $449,100 Land $61,500 Building $387,600 | $449,100 Land $61,500 Building $387,600 |
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 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 1,000 / 30 |
| LTD Broadband Fixed Wireless | 150 / 130 |
Based on FCC filings for 19 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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