Winona County property record for 974 E 15th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,542 sqft · built 1992 |
| Lot Size | 0.971 acres (42,302 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,108 (2026) |
| Deeds & Mortgages | Sep 2020 Line of Credit Jan 2021 Transfer |
| APN | 29.046.0150 |
| Primary APN | 29.046.0150 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,542 sqft Living Area |
| 1st Floor Area | 1,250 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 42,302 sqft (0.971 acres) |
| Garage Area | 832 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 238 sqft |
| Patio Area | 225 sqft |
| Shed | 1 Shed |
| Shed Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 974 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-015 BLOCK-001 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 29 |
| Legal Subdivision | GOLF COURSE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 15 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 671000 |
Source: Winona County records, as of April 21, 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 | 974 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2020 | Deed of Trust, Mortgage · Line of Credit BREMER BANK NA |
| Jan 12, 2021 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 30, 2020 |
| Transfer Doc | 0000630572 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 974 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2021 |
| Name | Verified Name |
|---|---|
| Address | 974 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 0000627693 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 627693 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 19, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Jan 12, 2021 |
| Property Address | 974 E 15TH ST, SAINT CHARLES, MN 55972-1676 |
| Document Number | 0000630572 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 630572 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Winona County assessment roll, as of August 5, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,108.00 (+27.62%) | ||
| 2025 | $476,300 (+1.77%) Land $62,100 Building $414,200 | $476,300 (+1.77%) Land $62,100 Building $414,200 | |
| 2023 | $4,786.00 Homeowner's exemption | $468,000 Land $61,500 Building $406,500 | $468,000 Land $61,500 Building $406,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 19 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 | 1,000 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
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