Winona County property record for 406 Bluff Ave, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,558 sqft · built 1875 |
| Lot Size | 0.352 acres (15,333 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Aug 2022) |
| Tax Bill | $2,666 (2026) |
| Deeds & Mortgages | Aug 2022 Sale |
| APN | 29.060.1210 |
| Primary APN | 29.060.1210 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,558 sqft Living Area |
| 1st Floor Area | 688 sqft |
| Basement Area | 526 sqft |
| Unfinished Basement | 526 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Vinyl |
| 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 | 768 sqft |
| Porch | Porch |
| Porch Area | 54 sqft |
| Deck Area | 297 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 BLUFF AVE |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-001 BLOCK-027 & N 1/2 LOT 4 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 19 |
| Legal Subdivision | ORIGINAL PLAT |
| Legal Block | 27 |
| Legal Lot Number | 1,4 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 671000 |
406 Bluff Ave is owned and occupied by an individual who acquired it in January 2024.
Source: Winona County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 406 BLUFF AVE, SAINT CHARLES, MN 55972-1324 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2022 · Amount on File |
| Deed Sale | Aug 8, 2022 · Amount on File |
| Deed Document Number | 2022644467 |
| Last Transfer Date | Jan 30, 2024 |
| Transfer Doc | 0000653100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Aug 8, 2022 |
| Property Address | 406 BLUFF AVE, SAINT CHARLES, MN 55972-1324 |
| Document Number | 000A644467 |
| Instrument Date | Jun 22, 2022 |
| Instrument | A644467 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $825.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 BLUFF AVE, SAINT CHARLES, MN 55972-1324 |
The 2026 property tax bill for 406 Bluff Ave was $2,666 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 | $2,666.00 Homeowner's exemption | $244,500 (+6.3%) Land $56,200 Building $188,300 | $244,500 (+6.3%) Land $56,200 Building $188,300 |
| 2025 | $230,000 Land $53,600 Building $176,400 | $230,000 Land $53,600 Building $176,400 | |
| 2023 | $2,118.00 Homeowner's exemption | $219,100 Land $53,000 Building $166,100 | $219,100 Land $53,000 Building $166,100 |
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 406 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 |
|
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 406 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 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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