1230 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 1230 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1975
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$3,000 (Jul 2022)
Tax Bill	$2,248 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Sale & Mortgage
APN	`29.000.0950`

Property Details

APN / Parcel Number

Primary APN	`29.000.0950`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	155 ft deep x 90 ft wide
Garage Area	580 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	120 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1230 BLUFF AVE
City	SAINT CHARLES
State	MN
Zip	55972-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-039 LIMITS PARCEL 90' X 155' COMMENCING 330' EAST & 210' SOUTH OF INT OF
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	39
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2057
Census Tract	671000

Owner

Source: Winona County records, as of September 4, 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	1230 BLUFF AVE, SAINT CHARLES, MN 55972-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Intrafamily Transfer, Transfer · Second Mortgage (Down Payment) HERITAGE BANK NA
Jul 6, 2022	Warranty Deed, Transfer · FHA Mortgage HERITAGE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Jul 6, 2022 · Amount on Record
Deed Document Number	2022643864
Prior Transfer Date	Jul 2, 2022
Prior Transfer Doc	000A643864
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Jul 6, 2022
Property Address	1230 BLUFF AVE, SAINT CHARLES, MN 55972-1524
Document Number	000A643864
Instrument Date	Jul 5, 2022
Instrument	A643864
Transaction Type	Transfer
Record Updated	Jul 29, 2022

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
Relationship	Joint Tenants
Address	1230 BLUFF AVE, SAINT CHARLES, MN 55972-1524

Mortgage

Document Number	000A643863
Date	Jul 6, 2022
Instrument	A643863

Lender

Name	HERITAGE BANK NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2032

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jul 6, 2022
Property Address	1230 BLUFF AVE, SAINT CHARLES, MN 55972-1524
Document Number	000A643861
Instrument Date	Jul 1, 2022
Instrument	A643861
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1230 BLUFF AVE, SAINT CHARLES, MN 55972-1524

Mortgage

Document Number	000A643862
Date	Jul 6, 2022
Instrument	A643862

Lender

Name	HERITAGE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

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	$2,248.00 (+21.78%) Homeowner's exemption	$213,500 (+6.75%) Land $51,700 Building $161,800	$213,500 (+6.75%) Land $51,700 Building $161,800
2025		$200,000 (+1.83%) Land $49,300 Building $150,700	$200,000 (+1.83%) Land $49,300 Building $150,700
2023	$1,846.00 Homeowner's exemption	$196,400 Land $48,800 Building $147,600	$196,400 Land $48,800 Building $147,600

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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