760 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 760 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,228 sqft · built 1929
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$96,500 (Mar 2016)
Tax Bill	$1,764 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Sep 2021 Mortgage
APN	`29.060.2600`

Property Details

APN / Parcel Number

Primary APN	`29.060.2600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
1st Floor Area	918 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1986
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	155 ft deep x 32 ft wide
Garage Type	Mixed
Garage Area	308 sqft
Porch	Open Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	760 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-008 BLOCK-044 S 30' & 32' X 155' IN LOT 37 ADJ ON SOUTH
Legal Range	010
Legal Township	106
Legal Section	19
Legal Subdivision	ORIGINAL PLAT
Legal Block	44
Legal Lot Number	8,37
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2027
Census Tract	671000

Owner

Source: Winona County records, as of October 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	760 BLUFF AVE, SAINT CHARLES, MN 55972-1418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2016 · Amount on Record
Deed Sale	Mar 11, 2016 · Amount on Record
Deed Document Number	2016473264
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	760 BLUFF AVE, SAINT CHARLES, MN 55972-1418
Transaction Type	Mortgage
Record Updated	Mar 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	760 BLUFF AVE, SAINT CHARLES, MN 55972-1418

Mortgage

Document Number	000A663287
Date	Oct 17, 2025
Instrument	A663287

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 16, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	760 BLUFF AVE, SAINT CHARLES, MN 55972-1418
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	637194
Date	Sep 27, 2021
Instrument	637194

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

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	$1,764.00 (+20.33%) Homeowner's exemption	$175,200 (+5.86%) Land $37,600 Building $137,600	$175,200 (+5.86%) Land $37,600 Building $137,600
2025		$165,500 (-0.3%) Land $35,800 Building $129,700	$165,500 (-0.3%) Land $35,800 Building $129,700
2023	$1,466.00 Homeowner's exemption	$166,000 Land $35,500 Building $130,500	$166,000 Land $35,500 Building $130,500

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.

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