Winona County property record for 413 Bluff Ave, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 1890 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,786 (2026) |
| APN | 29.060.1311 |
| Primary APN | 29.060.1311 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 528 sqft |
| Basement Area | 360 sqft |
| Unfinished Basement | 360 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Galvanized Metal |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 99 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Porch | Porch |
| Porch Area | 63 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 413 BLUFF AVE |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-001 BLOCK-028 EX: E 90' THEREOF |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 19 |
| Legal Subdivision | ORIGINAL PLAT |
| Legal Block | 28 |
| Legal Lot Number | 1 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 671000 |
413 Bluff Ave is owned and occupied by an individual.
Source: Winona County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 413 BLUFF AVE, SAINT CHARLES, MN 55972-1323 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 413 Bluff Ave was $1,786 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 | $1,786.00 Homeowner's exemption | $177,600 (+6.35%) Land $31,300 Building $146,300 | $177,600 (+6.35%) Land $31,300 Building $146,300 |
| 2025 | $167,000 Land $29,800 Building $137,200 | $167,000 Land $29,800 Building $137,200 | |
| 2023 | $1,476.00 Homeowner's exemption | $165,100 Land $29,500 Building $135,600 | $165,100 Land $29,500 Building $135,600 |
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 413 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.
Wildfire risk around 413 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.
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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