372 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 372 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,902 sqft · built 1916
Lot Size	0.352 acres (15,333 sqft)
Owner	Individual Name on File
Last Sale	$108,730 (Mar 2017)
Tax Bill	$2,450 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2020 Mortgage + 2 more
APN	`29.060.0560`

Property Details

APN / Parcel Number

Primary APN	`29.060.0560`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,902 sqft Living Area
1st Floor Area	1,080 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1983
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,333 sqft (0.352 acres)
Lot Dimensions	155 ft deep x 99 ft wide
Garage Type	Detached
Garage Area	1,296 sqft
Porch	Open Porch
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	372 BLUFF AVE
City	SAINT CHARLES
State	MN
Zip	55972-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-008 BLOCK-016 S 1/2 & ALL LOT 9
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	16
Legal Lot Number	8-9
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3035
Census Tract	671000

Owner

372 Bluff Ave is owned and occupied by an individual who bought it in March 2017.

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

Owner of Record	Individual Name on File
Mailing Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan OLD NATIONAL BANK
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK NA
Apr 2, 2019	Affidavit of Death of Joint Tenant, Transfer
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage BREMER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2017 · Amount on File
Deed Sale	Mar 6, 2017 · Amount on File
Deed Document Number	2017601380
Prior Transfer Date	Feb 15, 2017
Prior Transfer Doc	0000601380
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322

Mortgage

Document Number	000A662994
Date	Oct 1, 2025
Instrument	A662994

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	EVANSVILLE, IN 47708

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	120 Months
Due	Oct 25, 2035

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000630119
Date	Dec 23, 2020
Instrument	630119

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

April 2019: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	WINONA MN
Recording Date	Apr 2, 2019
Property Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322
Document Number	0000615967
Instrument Date	Apr 1, 2019
Instrument	615967
Transaction Type	Transfer
Record Updated	Aug 16, 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
Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 6, 2017
Property Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322
Document Number	0000601380
Instrument Date	Feb 15, 2017
Instrument	601380
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NOT AVAILABLE, MN SECURED TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.81
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	372 BLUFF AVE, SAINT CHARLES, MN 55972-1322

Mortgage

Document Number	0000601381
Date	Mar 6, 2017
Instrument	601381

Lender

Name	BREMER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 372 Bluff Ave was $2,450 with a homeowner's exemption.

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	$2,450.00 Homeowner's exemption	$225,100 (+4.94%) Land $56,200 Building $168,900	$225,100 (+4.94%) Land $56,200 Building $168,900
2025		$214,500 Land $53,600 Building $160,900	$214,500 Land $53,600 Building $160,900
2023	$2,032.00 Homeowner's exemption	$215,300 Land $53,000 Building $162,300	$215,300 Land $53,000 Building $162,300

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

Flood

FEMA has no flood map on file for 372 Bluff Ave; there have been 3 flood claims nearby since 2007.

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	6 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Aug 2007 · 3 claims

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.

Wildfire

Wildfire risk around 372 Bluff Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Hiawatha Broadband Communications Cable · Fiber in parts of the area	1,000 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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