Winona County property record for 742 Bluff Ave, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,125 sqft · built 1916 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500 (Jun 2023) |
| Tax Bill | $3,596 (2026) |
| Deeds & Mortgages | Aug 2025 Mortgage Jun 2023 Mortgage + 3 more |
| APN | 29.060.2590 |
| Primary APN | 29.060.2590 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,125 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 865 sqft |
| Unfinished Basement | 865 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Metal |
| Construction Type | Metal Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,193 sqft (0.234 acres) |
| Lot Dimensions | 155 ft deep x 66 ft wide |
| Garage Area | 780 sqft |
| Porch | Open Porch |
| Porch Area | 352 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 742 BLUFF AVE |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-19 TWP-106 RANGE-010 ORIGINAL PLAT LOT-005 BLOCK-044 S 30' & N 36' LOT 8 |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 19 |
| Legal Subdivision | ORIGINAL PLAT |
| Legal Block | 44 |
| Legal Lot Number | 5,8 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.060.2590
Assessment roll updated August 5, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Jun 01, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Apr 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage THINK MUTUAL BANK |
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MILEND INC |
| Mar 06, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 01, 2023 · Amount on Record |
| Deed Sale | Jun 01, 2023 · Amount on Record |
| Prior Sale | Apr 23, 2021 · Amount on Record |
| Deed Document Number | 2023649133 |
| Prior Transfer Date | May 23, 2023 |
| Prior Transfer Doc | 000A649133 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Transaction Type | Mortgage |
| Record Updated | Oct 02, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Document Number | 000A662216 |
|---|---|
| Date | Aug 18, 2025 |
| Instrument | A662216 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Jun 01, 2023 |
| Property Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Document Number | 000A649133 |
| Instrument Date | May 23, 2023 |
| Instrument | A649133 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2023 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Name | Verified Name |
|---|---|
| Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Document Number | 000A649134 |
|---|---|
| Date | Jun 01, 2023 |
| Instrument | A649134 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Apr 23, 2021 |
| Property Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Document Number | 633286 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 633286 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2021 |
| Title Company | ROCHESTER TITLE AND ESCROW COMPANY, ROCHESTER TITLE & ESCROW CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Document Number | 633287 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 633287 |
| Name | THINK MUTUAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2020 |
| Name | Verified Name |
|---|
| Document Number | 628993 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 628993 |
| Name | MILEND INC |
|---|---|
| Type | Mortgage Company |
| Address | ALPHARETTA, GA 30009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Mar 06, 2019 |
| Property Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Document Number | 615545 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 615545 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $772.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 742 BLUFF AVE, SAINT CHARLES, MN 55972-1418 |
| Document Number | 615546 |
|---|---|
| Date | Mar 06, 2019 |
| Instrument | 615546 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Winona County |
| Municipality | St. Charles City |
| Unified School District | St. Charles Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,596.00 (+24.17%) | ||
| 2025 | $296,500 (+1.75%) Land $37,800 Building $258,700 | $296,500 (+1.75%) Land $37,800 Building $258,700 | |
| 2023 | $2,896.00 Homeowner's exemption | $291,400 Land $37,400 Building $254,000 | $291,400 Land $37,400 Building $254,000 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| Hiawatha Broadband Communications Cable · Fiber in parts of the area | 1,000 / 30 |
| LTD Broadband Fixed Wireless | 150 / 130 |
May also be available: Verizon.
Based on FCC filings for 192 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MN1850009, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Charles serves 3,825 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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