997 E 13th St, Saint Charles, MN 55972 Property Records

Winona County property record for 997 E 13th St, Saint Charles, MN 55972 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,317 sqft · built 1991
Lot Size	0.362 acres (15,788 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,802 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2020 Mortgage
APN	`29.043.0040`

Property Details

APN / Parcel Number

Primary APN	`29.043.0040`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,317 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	112 sqft
Unfinished Basement	112 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2005
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,788 sqft (0.362 acres)
Garage Area	864 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Deck Area	256 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	997 E 13TH ST
City	SAINT CHARLES
State	MN
Zip	55972-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 HILLCREST DRIVE ESTATES 2ND LOT-004 BLOCK-001
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	HILLCREST DRIVE ESTATES 2ND
Legal Block	1
Legal Lot Number	4
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2002
Census Tract	671000

Owner

Source: Winona County records · APN 29.043.0040

Assessment roll updated August 5, 2025 · Last verified July 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	997 E 13TH ST, SAINT CHARLES, MN 55972-1657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 09, 2020	Deed of Trust, Mortgage ALTRA FCU
Sep 24, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 29, 2025
Transfer Doc	0000011453
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	997 E 13TH ST, SAINT CHARLES, MN 55972-1657
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10781
Date	Oct 09, 2020
Instrument	10781

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Nov 01, 2030

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Sep 24, 2020
Property Address	997 E 13TH ST, SAINT CHARLES, MN 55972-1657
Document Number	10772
Instrument Date	Sep 23, 2020
Instrument	10772
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	997 E 13TH ST, SAINT CHARLES, MN 55972-1657

Mortgage

Document Number	10773
Date	Sep 24, 2020
Instrument	10773

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified July 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

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	$4,802.00 (+21.2%)
2025		$382,900 (+1.06%) Land $49,000 Building $333,900	$382,900 (+1.06%) Land $49,000 Building $333,900
2023	$3,962.00 Homeowner's exemption	$378,900 Land $48,500 Building $330,400	$378,900 Land $48,500 Building $330,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 162 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Hiawatha Broadband Communications	Cable	1,000 / 30
LTD Broadband	Fixed Wireless (licensed-by-rule)	150 / 130

May also be available at this address: Verizon, Hiawatha Broadband Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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