Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $2,312 (2025).

What school district is this property in?

This property is in the 858 - St. Charles school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 27 days.

Listed at

$325,000

$102/sqft

Stones Add

473 E 12th Street, Saint Charles, MN, 55972

3 Bedrooms3 Bathrooms3,192 Square Feet0.22 Acres

Days on market27

Year built1910

Garage spaces2

TypeResidential

Est. $6,750buyer credit when you buy with SODL

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About this home

This is the space you have been looking for. Step into timeless charm and exceptional care at this beautifully maintained 3-bedroom, 3-bath, story and a half home in St. Charles. Built in 1910, this property blends classic character with thoughtful modern updates throughout. You'll love the gorgeous original woodwork, warm inviting spaces, and the fully updated kitchen designed for everyday living and entertaining alike. The completely remodeled second floor offers fresh, comfortable living space, while the beautifully finished basement adds valuable flexibility for a family room, office, workout area, or guests. Outside, enjoy a fully fenced yard with room to relax, garden, or play. A spacious 2-car garage plus extra parking pad provides rare convenience and storage. A truly special home where historic charm meets modern function-all meticulously cared for and move-in ready for you.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1910

LevelsOne and One Half

Living area3,192 sqft

Above-grade finished2,128 sqft

Below-grade finished1,064 sqft

Lot size0.22 acres (80x120)

Days on market27

ListedApr 27, 2026

MLS #NST7042899

CountyWinona

SubdivisionStones Add

Parcel #290800290

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One and One Half
Garage: 2 spaces · 720 sqft
Parking features: Detached Garage, Concrete
Patio & porch: Front Porch, Patio, Side Porch
Exterior features: Cedar
Fencing: Full

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,064 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1910

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers

Community & HOA

Subdivision: Stones Add
HOA: No HOA
School district: 858 - St. Charles
High school district: St. Charles

Financial & listing details

Annual tax: $2,312 (2025)
Listed: Apr 27, 2026
Days on market: 27 · 2 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths0

3/4 baths2

Half baths1

1/4 baths0

BasementFinished, Full

HeatingForced Air

CoolingCentral Air

LaundryMain Level

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningEat In Kitchen, Separate/Formal Dining Room

AccessibilityNone

Special features3 BR on One Level, Main Floor Laundry

Exterior & lot

ExteriorCedar

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,064 sqft

Patio/porchFront Porch, Patio, Side Porch

Lot featuresCorner Lot

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete

Garage spaces2

Garage size720 sqft

Financial details

Annual taxes$2,312

Tax year2025

Taxes w/ assessments2312

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District858 - St. Charles

District number858

District phone5079324423

High schoolSt. Charles

SODL flat fee brokerage

$6,750Estimated buyer credit

SODL platform fee $3,000Your buyer credit $6,750

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,009/mo

Principal & interest$1,708

Property taxes$193

Home insurance (est.)$108

Down payment

$65,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.