1112 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 1112 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1880
Lot Size	0.263 acres (11,456 sqft)
Owner	Individual Name on Record
Last Sale	$219,500 (Sep 2024)
Tax Bill	$2,262 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jan 2018 Sale & Mortgage
APN	`29.080.0040`

Property Details

APN / Parcel Number

Primary APN	`29.080.0040`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	480 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,456 sqft (0.263 acres)
Lot Dimensions	155 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	576 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	224 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1112 BLUFF AVE
City	SAINT CHARLES
State	MN
Zip	55972-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 STONES ADDITION LOT-005 BLOCK-001 & THE SOUTH 21 1/2' OF LOT 4
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	STONES ADDITION
Legal Block	1
Legal Lot Number	4-5
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2056
Census Tract	671000

Owner

Source: Winona County records, as of September 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1112 BLUFF AVE, SAINT CHARLES, MN 55972-1502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jan 19, 2018	Warranty Deed, Transfer · Conventional Mortgage BREMER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2024 · Amount on Record
Deed Sale	Sep 27, 2024 · Amount on Record
Prior Sale	Oct 5, 2021 · Amount on Record
Deed Document Number	2024656913
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Oct 5, 2021
Property Address	1112 BLUFF AVE, SAINT CHARLES, MN 55972-1502
Document Number	637454
Instrument Date	Sep 17, 2021
Instrument	637454
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$643.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1112 BLUFF AVE, SAINT CHARLES, MN 55972-1502

Mortgage

Document Number	637455
Date	Oct 5, 2021
Instrument	637455

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jan 19, 2018
Property Address	1112 BLUFF AVE, SAINT CHARLES, MN 55972-1502
Document Number	607905
Instrument Date	Dec 19, 2017
Instrument	607905
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$448.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1112 BLUFF AVE, SAINT CHARLES, MN 55972-1502

Mortgage

Document Number	607906
Date	Jan 19, 2018
Instrument	607906

Lender

Name	BREMER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Winona County assessment roll, as of September 4, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,262.00 (+22.01%) Homeowner's exemption	$214,900 (+6.86%) Land $43,700 Building $171,200	$214,900 (+6.86%) Land $43,700 Building $171,200
2025		$201,100 (+2.5%) Land $41,600 Building $159,500	$201,100 (+2.5%) Land $41,600 Building $159,500
2023	$1,854.00 Homeowner's exemption	$196,200 Land $41,200 Building $155,000	$196,200 Land $41,200 Building $155,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 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 · Fiber, Fixed Wireless in parts of the area	1,000 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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