Winona County property record for 997 E 15th St, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,192 sqft · built 1991 |
| Lot Size | 1.02 acres (44,727 sqft) |
| Owner | Company Name on File |
| Tax Bill | $5,664 (2026) |
| Deeds & Mortgages | May 2018 Line of Credit |
| APN | 29.046.0140 |
| Primary APN | 29.046.0140 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,192 sqft Living Area |
| 1st Floor Area | 2,192 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Split Level |
| Exterior Material | Stucco |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,727 sqft (1.02 acres) |
| Garage Area | 952 sqft |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Deck Area | 188 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 997 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-014 BLOCK-001 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 29 |
| Legal Subdivision | GOLF COURSE ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.046.0140
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 | Company Name on File |
|---|---|
| Mailing Address | 997 E 15TH ST, SAINT CHARLES, MN 55972-1677 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 997 E 15TH ST, SAINT CHARLES, MN 55972-1677 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Name | Verified Name |
|---|
| Document Number | 610074 |
|---|---|
| Date | May 17, 2018 |
| Instrument | 610074 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $5,664.00 (+20.56%) | ||
| 2025 | $444,500 (+1.72%) Land $62,100 Building $382,400 | $444,500 (+1.72%) Land $62,100 Building $382,400 | |
| 2023 | $4,698.00 Homeowner's exemption | $437,000 Land $61,500 Building $375,500 | $437,000 Land $61,500 Building $375,500 |
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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures