Winona County property record for 1500 Bluff Ave, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,120 sqft · built 1975 |
| Lot Size | 0.643 acres (28,009 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,866 (2026) |
| Deeds & Mortgages | Nov 2018 Line of Credit |
| APN | 29.010.1140 |
| Primary APN | 29.010.1140 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,068 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Split Level |
| Exterior Material | Metal |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,009 sqft (0.643 acres) |
| Lot Dimensions | 164 ft deep x 171 ft wide |
| Garage Area | 484 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | 132 sqft |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1500 BLUFF AVE |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1563 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BIRGES 1ST ADD LOT-002 BLOCK-020 LOTS 2 & 3 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 19 |
| Legal Subdivision | BIRGES 1ST ADD |
| Legal Block | 20 |
| Legal Lot Number | 2-3 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 671000 |
1500 Bluff Ave is owned and occupied by two individuals.
Source: Winona County records, as of September 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1500 BLUFF AVE, SAINT CHARLES, MN 55972-1563 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 1500 BLUFF AVE, SAINT CHARLES, MN 55972-1563 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1500 BLUFF AVE, SAINT CHARLES, MN 55972-1563 |
| Document Number | 613691 |
|---|---|
| Date | Nov 13, 2018 |
| Instrument | 613691 |
| Name | THINK MUTUAL BANK |
|---|---|
| Type | Bank |
| Address | ROCHESTER, MN 55901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 3, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 1500 Bluff Ave was $3,866 with a homeowner's exemption.
Source: Winona County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,866.00 Homeowner's exemption | $340,600 (+7.85%) Land $95,100 Building $245,500 | $340,600 (+7.85%) Land $95,100 Building $245,500 |
| 2025 | $315,800 Land $90,600 Building $225,200 | $315,800 Land $90,600 Building $225,200 | |
| 2023 | $3,052.00 Homeowner's exemption | $299,700 Land $89,700 Building $210,000 | $299,700 Land $89,700 Building $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 1500 Bluff Ave; there have been 37 flood claims nearby since 1982.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 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 |
|
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.
The area around 1500 Bluff Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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