701 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 701 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,587 sqft · built 1917
Lot Size	0.306 acres (13,329 sqft)
Owner	2 Individual Names on File
Last Sale	$279,500 (Dec 2025)
Tax Bill	$2,368 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Dec 2025 Sale & Mortgage + 1 more
APN	`29.060.2480`

Property Details

APN / Parcel Number

Primary APN	`29.060.2480`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,587 sqft Living Area
1st Floor Area	780 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1992
Exterior Material	Metal
Construction Type	Metal Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	13,329 sqft (0.306 acres)
Lot Dimensions	202 ft deep x 66 ft wide
Garage Type	Mixed
Garage Area	624 sqft

Exterior Amenities

Porch	Screened Porch
Porch Area	176 sqft
Deck Area	132 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	701 BLUFF AVE
City	SAINT CHARLES
State	MN
Zip	55972-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-001 BLOCK-043
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	43
Legal Lot Number	1
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2028
Census Tract	671000

Owner

701 Bluff Ave is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	701 BLUFF AVE, SAINT CHARLES, MN 55972-1417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 8, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 10, 2025	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Oct 29, 2020	Intrafamily Transfer, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Oct 29, 2020
Deed Document Number	2025664201
Prior Transfer Date	Sep 16, 2020
Prior Transfer Doc	628613
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	701 BLUFF AVE, SAINT CHARLES, MN 55972-1417
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A645099
Date	Sep 8, 2022
Instrument	A645099

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Dec 10, 2025
Property Address	701 BLUFF AVE, SAINT CHARLES, MN 55972-1417
Document Number	000A664201
Instrument Date	Dec 8, 2025
Instrument	A664201
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ROCHESTER T&E CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$922.35
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	701 BLUFF AVE, SAINT CHARLES, MN 55972-1417

Mortgage

Document Number	000A664202
Date	Dec 10, 2025
Instrument	A664202

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Oct 29, 2020
Property Address	701 BLUFF AVE, SAINT CHARLES, MN 55972-1417
Document Number	628613
Instrument Date	Sep 16, 2020
Instrument	628613
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	701 BLUFF AVE, SAINT CHARLES, MN 55972-1417

Mortgage

Document Number	628614
Date	Oct 29, 2020
Instrument	628614

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 701 Bluff Ave was $2,368 with a homeowner's exemption.

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	$2,368.00 Homeowner's exemption	$222,400 (+6.56%) Land $43,000 Building $179,400	$222,400 (+6.56%) Land $43,000 Building $179,400
2025		$208,700 Land $40,900 Building $167,800	$208,700 Land $40,900 Building $167,800
2023	$1,974.00 Homeowner's exemption	$208,300 Land $40,500 Building $167,800	$208,300 Land $40,500 Building $167,800

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 701 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

Wildfire risk around 701 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.

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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