612 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 612 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1901
Lot Size	0.409 acres (17,816 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Dec 2024)
Tax Bill	$1,526 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2021 Sale & Mortgage + 3 more
APN	`29.060.2350`

Property Details

APN / Parcel Number

Primary APN	`29.060.2350`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	624 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,816 sqft (0.409 acres)
Lot Dimensions	155 ft deep x 115 ft wide
Garage Type	Detached
Garage Area	520 sqft
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Street Address	612 BLUFF AVE
City	SAINT CHARLES
State	MN
Zip	55972-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-001 BLOCK-041 & N 56' LOT 4 EX: TH 7 N 17' LOT 1
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	41
Legal Lot Number	1,4
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2006
Census Tract	671000

Owner

612 Bluff Ave is owned by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	528 E 4TH ST, SAINT CHARLES, MN 55972-1369
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
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage ALTRA FCU
Dec 17, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
May 9, 2019	Warranty Deed, Transfer · Conventional Mortgage ALTRA FCU
Jun 1, 2018	Quit Claim Deed, Transfer Quitclaim
Jun 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2024 · Amount on File
Deed Sale	Dec 9, 2024 · Amount on File
Prior Sale	Dec 17, 2021 · Amount on File
Deed Document Number	2024658079
Prior Transfer Date	May 31, 2018
Prior Transfer Doc	610414
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	612 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000627612
Date	Sep 23, 2020
Instrument	627612

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 17, 2021
Property Address	612 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Document Number	000A639500
Instrument Date	Nov 5, 2021
Instrument	A639500
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ROCHESTER TITLE & ESCROW CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$369.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 BLUFF AVE, SAINT CHARLES, MN 55972-1416

Mortgage

Document Number	000A639501
Date	Dec 17, 2021
Instrument	A639501

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 9, 2019
Property Address	612 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Document Number	616657
Instrument Date	May 8, 2019
Instrument	616657
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.71
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	612 BLUFF AVE, SAINT CHARLES, MN 55972-1416

Mortgage

Document Number	616658
Date	May 9, 2019
Instrument	616658

Lender

Name	ALTRA FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINONA MN
Recording Date	Jun 1, 2018
Property Address	612 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Document Number	610414
Instrument Date	May 31, 2018
Instrument	610414
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 W 12TH ST, SAINT CHARLES, MN 55972-1202

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 1, 2018
Property Address	612 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Document Number	610415
Instrument Date	May 21, 2018
Instrument	610415
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Tax	$181.50
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	161 E 4TH ST, SAINT CHARLES, MN 55972-1368

Tax Assessment & Valuation

The 2026 property tax bill for 612 Bluff Ave was $1,526.

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	$1,526.00	$123,400 (+4.49%) Land $64,300 Building $59,100	$123,400 (+4.49%) Land $64,300 Building $59,100
2025		$118,100 Land $61,300 Building $56,800	$118,100 Land $61,300 Building $56,800
2023	$1,248.00	$120,000 Land $60,600 Building $59,400	$120,000 Land $60,600 Building $59,400

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 612 Bluff Ave.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 612 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.

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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