636 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 636 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,094 sqft · built 1890
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$56,627 (May 2017)
Tax Bill	$1,926 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2021 Mortgage + 1 more
APN	`29.060.2360`

Property Details

APN / Parcel Number

Primary APN	`29.060.2360`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
1st Floor Area	544 sqft
Basement Area	150 sqft
Unfinished Basement	150 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1991
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	155 ft deep x 76 ft wide
Garage Type	Detached
Garage Area	520 sqft

Exterior Amenities

Porch	Porch
Porch Area	56 sqft
Patio Area	216 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Street Address	636 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-004 BLOCK-041 & ALL OF LOT 5
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	41
Legal Lot Number	4-5
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2006
Census Tract	671000

Owner

Source: Winona County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	636 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2023	Deed of Trust, Mortgage · Line of Credit MERCHANTS BANK NA
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA
May 24, 2017	Warranty Deed, Transfer · Line of Credit BANK OF ALMA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2017 · Amount on Record
Deed Sale	May 24, 2017 · Amount on Record
Prior Sale	May 7, 2015 · Amount on Record
Deed Document Number	2017602912
Prior Transfer Date	Apr 1, 2015
Prior Transfer Doc	A587548
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	636 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 BLUFF AVE, SAINT CHARLES, MN 55972-1416

Mortgage

Document Number	000A652599
Date	Dec 22, 2023
Instrument	A652599

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	SAINT CHARLES, MN 55972

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	636 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	637533
Date	Oct 8, 2021
Instrument	637533

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

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

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	May 24, 2017
Property Address	636 BLUFF AVE, SAINT CHARLES, MN 55972-1416
Document Number	602912
Instrument Date	May 12, 2017
Instrument	602912
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	WINONA COUNTY ABSTRACT & TIT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$186.87
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 BLUFF AVE, SAINT CHARLES, MN 55972-1416

Mortgage

Document Number	602913
Date	May 24, 2017
Instrument	602913

Lender

Name	BANK OF ALMA
Type	Bank
Address	ALMA, WI 54610

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 12, 2037

Tax Assessment & Valuation

Source: Winona County assessment roll, as of August 5, 2025

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	$1,926.00 (+48.84%)
2025		$177,000 (+2.19%) Land $42,600 Building $134,400	$177,000 (+2.19%) Land $42,600 Building $134,400
2023	$1,294.00 Homeowner's exemption	$173,200 Land $42,100 Building $131,100	$173,200 Land $42,100 Building $131,100

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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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