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655 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 655 Bluff Ave, Saint Charles, MN 55972 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1990
Square Footage1,368 sqft Living Area
Lot Size13,199 sqft (0.303 acres)
GarageDetached, 720 sqft
OccupancyOwner Occupied
Tax Bill$2,214.00 (2026)

Property Details

APN / Parcel Number

Primary APN29.060.2440

Interior

Bedrooms3 Beds
Full Baths2 Baths
Partial Baths1 Partial Baths
Building Area1,368 sqft Living Area
1st Floor720 sqft 1st Floor
Basement Area288 sqft Basement
Unfinished Basement288 sqft Unfinished
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1990
Exterior MaterialVinyl Exterior
Roof ConstructionGable Roof Construction
Roof MaterialGalvanized Roof
Lot Area13,199 sqft (0.303 acres)
Depth X Width200 ft x 66 ft Depth x Width
Garage TypeDetached Garage
Garage Area720 sqft Garage
Deck Area214 sqft Deck
PorchPorch
Porch Area28 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemForced Air with Air Conditioning Heating

Location & Zoning

Street Address655 BLUFF AVE
CitySAINT CHARLES
StateMN
Zip55972-1415
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-004 BLOCK-042
Legal Range010
Legal Township106
Legal Section19
Legal SubdivisionORIGINAL PLAT
Legal Block42
Legal Lot Number4
JurisdictionWINONA MN
Minor Civil DivisionST. CHARLES
Census Blockgroup2
Census Block2005
Census Tract671000

Owner

Source: Winona County records · APN 29.060.2440

Assessment roll updated August 5, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address655 BLUFF AVE, SAINT CHARLES, MN 55972-1415
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
EMM LOANS LLC
Apr 29, 2019Intrafamily Transfer, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateApr 19, 2019
Transfer Doc616468
Record RefreshedJun 08, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINONA MN
Property Address655 BLUFF AVE, SAINT CHARLES, MN 55972-1415
Transaction TypeMortgage
Record UpdatedSep 24, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number633374
DateApr 27, 2021
Instrument633374
Lender
NameEMM LOANS LLC
TypeMortgage Company
AddressCHERRY HILL, NJ 08002
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term241 Months
DueMay 01, 2041

April 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWINONA MN
Recording DateApr 29, 2019
Property Address655 BLUFF AVE, SAINT CHARLES, MN 55972-1415
Document Number616468
Instrument DateApr 19, 2019
Instrument616468
Transaction TypeTransfer
Record UpdatedJun 22, 2021
Title CompanyCLOSING USA LLC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address655 BLUFF AVE, SAINT CHARLES, MN 55972-1415

Mortgage

Document Number616469
DateApr 29, 2019
Instrument616469
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

Tax Assessment & Valuation

Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyWinona County
MunicipalitySt. Charles City
Unified School DistrictSt. Charles Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$2,214.00 (+21.38%)
2025$197,600 (+1.33%) Land $40,900 Building $156,700$197,600 (+1.33%) Land $40,900 Building $156,700
2023$1,824.00 Homeowner's exemption$195,000 Land $40,500 Building $154,500$195,000 Land $40,500 Building $154,500

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