818 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 818 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,761 sqft · built 1920
Lot Size	0.463 acres (20,168 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,814 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Apr 2021 Mortgage
APN	`29.000.0800`

Property Details

APN / Parcel Number

Primary APN	`29.000.0800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,761 sqft Living Area
1st Floor Area	784 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1992
Exterior Material	Stucco
Roof Type	Hip
Roof Material	Asphalt
Lot Area	20,168 sqft (0.463 acres)
Lot Dimensions	153 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	264 sqft
Porch	Open Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	818 BLUFF AVE
City	SAINT CHARLES
State	MN
Zip	55972-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-20 TWP-106 RANGE-010 LIMITS ST CHARLES LOT-037 LIMITS PART OF LOT COMMENCING 132' NORTH OF SE CORNER, THENCE N 132', W
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
Legal Lot Number	37
Jurisdiction	WINONA MN
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2027
Census Tract	671000

Owner

818 Bluff Ave is owned and occupied by two individuals who acquired it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	818 BLUFF AVE, SAINT CHARLES, MN 55972-1420
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 13, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MAYO EMPLOYEES FCU
Apr 13, 2021	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2021
Deed Sale	Apr 13, 2021
Prior Sale	Aug 8, 2014
Deed Document Number	2021632963
Prior Transfer Date	May 22, 2020
Prior Transfer Doc	0000632963
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINONA MN
Property Address	818 BLUFF AVE, SAINT CHARLES, MN 55972-1420
Transaction Type	Mortgage
Record Updated	Jun 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A665306
Date	Mar 13, 2026
Instrument	A665306

Lender

Name	MAYO EMPLOYEES FCU
Type	Credit Union
Address	ROCHESTER, MN 55902

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 28, 2041

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINONA MN
Recording Date	Apr 13, 2021
Property Address	818 BLUFF AVE, SAINT CHARLES, MN 55972-1420
Document Number	632963
Instrument Date	May 22, 2020
Instrument	632963
Transaction Type	Transfer
Record Updated	May 13, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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	818 BLUFF AVE, SAINT CHARLES, MN 55972-1420

Mortgage

Document Number	632709
Date	Apr 13, 2021
Instrument	632709

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

Mortgage

Document Number	632964
Date	Apr 13, 2021
Instrument	632964

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	281 Months
Due	Sep 1, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 818 Bluff Ave was $2,814 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	$2,814.00 Homeowner's exemption	$256,400 (+6.57%) Land $72,900 Building $183,500	$256,400 (+6.57%) Land $72,900 Building $183,500
2025		$240,600 Land $69,400 Building $171,200	$240,600 Land $69,400 Building $171,200
2023	$2,304.00 Homeowner's exemption	$236,800 Land $68,700 Building $168,100	$236,800 Land $68,700 Building $168,100

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 818 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 818 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.

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