737 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 737 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,080 sqft · built 1955
Lot Size	0.306 acres (13,329 sqft)
Owner	Individual Name on Record
Last Sale	$212,200 (Jun 2022)
Tax Bill	$2,292 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2021 Mortgage
APN	`29.060.2510`

Property Details

APN / Parcel Number

Primary APN	`29.060.2510`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	864 sqft
Basement Area	216 sqft
Unfinished Basement	216 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,329 sqft (0.306 acres)
Lot Dimensions	202 ft deep x 66 ft wide
Garage Area	288 sqft
Deck Area	160 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	737 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-003 BLOCK-043
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	43
Legal Lot Number	3
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2028
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	Individual Name on Record
Mailing Address	737 BLUFF AVE, SAINT CHARLES, MN 55972-1417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME FEDERAL SAVINGS BANK
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2022 · Amount on Record
Deed Sale	Jun 21, 2022 · Amount on Record
Prior Sale	Dec 7, 2015 · Amount on Record
Deed Document Number	2022643555
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Jun 21, 2022
Property Address	737 BLUFF AVE, SAINT CHARLES, MN 55972-1417
Document Number	000A643555
Instrument Date	Jun 10, 2022
Instrument	A643555
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	ROCHESTER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.26
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	737 BLUFF AVE, SAINT CHARLES, MN 55972-1417

Mortgage

Document Number	000A643556
Date	Jun 21, 2022
Instrument	A643556

Lender

Name	HOME FEDERAL SAVINGS BANK
Type	Bank
Address	ROCHESTER, MN 55901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	737 BLUFF AVE, SAINT CHARLES, MN 55972-1417
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	637266
Date	Sep 29, 2021
Instrument	637266

Lender

Name	MERCHANTS BANK NA
Type	Bank
Address	WINONA, MN 55987

Agreement

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

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	$2,292.00 (+21.66%) Homeowner's exemption	$216,800 (+6.64%) Land $43,000 Building $173,800	$216,800 (+6.64%) Land $43,000 Building $173,800
2025		$203,300 (+1.7%) Land $40,900 Building $162,400	$203,300 (+1.7%) Land $40,900 Building $162,400
2023	$1,884.00 Homeowner's exemption	$199,900 Land $40,500 Building $159,400	$199,900 Land $40,500 Building $159,400

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

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	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.

Nearby Properties on Bluff Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures