Winona County property record for 307 Bluff Ave, Saint Charles, MN 55972 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1880 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,000 (May 2025) |
| Tax Bill | $1,356 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Jun 2021 Second Mortgage + 1 more |
| APN | 29.060.0460 |
| Primary APN | 29.060.0460 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 185 ft deep x 99 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 32 sqft |
| Deck Area | 160 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | None |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 307 BLUFF AVE |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-001 BLOCK-015 & THAT PART OF S 33' OF VACATED 3RD ST LYING EAST OF BLUFF AVE |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 19 |
| Legal Subdivision | ORIGINAL PLAT |
| Legal Block | 15 |
| Legal Lot Number | 1 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.060.0460
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 307 BLUFF AVE, SAINT CHARLES, MN 55972-1321 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 09, 2022 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Jun 04, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MERCHANTS BANK NA |
| Jun 04, 2021 | Warranty Deed, Transfer · FHA Mortgage MERCHANTS BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2025 · Amount on Record |
| Deed Sale | May 29, 2025 · Amount on Record |
| Prior Sale | Mar 09, 2022 · Amount on Record |
| Deed Document Number | 2025660769 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Mar 09, 2022 |
| Property Address | 307 BLUFF AVE, SAINT CHARLES, MN 55972-1321 |
| Document Number | 000A641295 |
| Instrument Date | Mar 04, 2022 |
| Instrument | A641295 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2022 |
| Title Company | ROCHESTER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.17 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 BLUFF AVE, SAINT CHARLES, MN 55972-1321 |
| Document Number | 000A641296 |
|---|---|
| Date | Mar 09, 2022 |
| Instrument | A641296 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 307 BLUFF AVE, SAINT CHARLES, MN 55972-1321 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 634459 |
|---|---|
| Date | Jun 04, 2021 |
| Instrument | 634459 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | WINONA, MN 55987 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 01, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Jun 04, 2021 |
| Property Address | 307 BLUFF AVE, SAINT CHARLES, MN 55972-1321 |
| Document Number | 634457 |
| Instrument Date | Mar 21, 2021 |
| Instrument | 634457 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $363.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 307 BLUFF AVE, SAINT CHARLES, MN 55972-1321 |
| Document Number | 0000634458 |
|---|---|
| Date | Jun 04, 2021 |
| Instrument | 634458 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | WINONA, MN 55987 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
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 | $1,356.00 (+30.38%) | ||
| 2025 | $136,200 (+8.35%) Land $56,900 Building $79,300 | $136,200 (+8.35%) Land $56,900 Building $79,300 | |
| 2023 | $1,040.00 Homeowner's exemption | $125,700 Land $56,300 Building $69,400 | $125,700 Land $56,300 Building $69,400 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271696710003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2007) |
| Most Recent Claim | Aug 2007, rainfall accumulation, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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, availability as of December 31, 2025 · Published October 2026 · based on 192 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Mediacom Communications | Cable | 1,000 / 50 |
| Hiawatha Broadband Communications | Cable | 1,000 / 30 |
| LTD Broadband | Fixed Wireless (licensed-by-rule) | 150 / 130 |
May also be available at this address: Verizon, Hiawatha Broadband Communications, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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