418 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 418 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,428 sqft · built 1977
Lot Size	0.227 acres (9,888 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,500 (Aug 2018)
Tax Bill	$2,658 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2021 Mortgage + 6 more
APN	`29.060.1230`

Property Details

APN / Parcel Number

Primary APN	`29.060.1230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,888 sqft (0.227 acres)
Lot Dimensions	150 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	440 sqft
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	418 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-005 BLOCK-027 N 1/2 & S 1/2 LOT 4
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	27
Legal Lot Number	4-5
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	3
Census Block	3034
Census Tract	671000

Owner

Source: Winona County records, as of September 4, 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 Record
Mailing Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Jul 25, 2017	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK
Aug 7, 2018	Warranty Deed, Transfer · Conventional Mortgage ROCHESTER TITLE
Aug 7, 2018	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2018 · Amount on Record
Deed Sale	Aug 7, 2018 · Amount on Record
Deed Document Number	2018611722
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Recording Date	Jun 11, 2026
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Document Number	0000667205
Instrument Date	May 21, 2026
Instrument	2026667205
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324

Mortgage

Document Number	0000667205,
Date	Jun 11, 2026
Instrument	2026667205

Lender

Name	BELL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	384 Months
Due	Jun 1, 2058

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	ROCHESTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	631392
Date	Feb 16, 2021
Instrument	631392

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	604283
Date	Jul 25, 2017
Instrument	604283

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	604283
Date	Jul 25, 2017
Instrument	604283

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	604283
Date	Jul 25, 2017
Instrument	604283

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	604283
Date	Jul 25, 2017
Instrument	604283

Lender

Name	MERCHANTS BANK
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 7, 2018
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Document Number	611722
Instrument Date	Aug 2, 2018
Instrument	611722
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.35
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324

Mortgage

Document Number	611723
Date	Aug 7, 2018
Instrument	611723

Lender

Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Aug 7, 2018
Property Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324
Document Number	611722
Instrument Date	Aug 2, 2018
Instrument	611722
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.35
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	418 BLUFF AVE, SAINT CHARLES, MN 55972-1324

Mortgage

Document Number	611723
Date	Aug 7, 2018
Instrument	611723

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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	$2,658.00 (+22.71%) Homeowner's exemption	$245,700 (+7.11%) Land $39,600 Building $206,100	$245,700 (+7.11%) Land $39,600 Building $206,100
2025		$229,400 (+4.84%) Land $37,800 Building $191,600	$229,400 (+4.84%) Land $37,800 Building $191,600
2023	$2,166.00 Homeowner's exemption	$218,800 Land $37,400 Building $181,400	$218,800 Land $37,400 Building $181,400

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

Flood

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

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.

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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