836 Bluff Ave, Saint Charles, MN 55972 Property Records

Winona County property record for 836 Bluff Ave, Saint Charles, MN 55972

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1918
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Apr 2020)
Tax Bill	$2,420 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Mar 2020 Sale
APN	`29.000.0810`

Property Details

APN / Parcel Number

Primary APN	`29.000.0810`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	936 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	264 sqft
Porch	Open Porch
Porch Area	160 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	836 BLUFF AVE
City	SAINT CHARLES
State	MN
Zip	55972-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIMITS ST CHARLES LOT-037 LIMITS PART OF LOT COMMENCING 234' SOUTH OF SE CORNER LOT 8 BLK 44 ORIGINAL PLAT, N 66', W 165', S
Legal Range	010
Legal Township	106
Legal Section	20
Legal Subdivision	LIMITS
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

836 Bluff Ave is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	836 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
Apr 22, 2020	Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA
Mar 12, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2020 · Amount on File
Deed Sale	Apr 22, 2020 · Amount on File
Prior Sale	Mar 12, 2020 · Amount on File
Deed Document Number	2020623956
Prior Transfer Date	Apr 17, 2020
Prior Transfer Doc	0000623956
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Apr 22, 2020
Property Address	836 BLUFF AVE, SAINT CHARLES, MN 55972-1420
Document Number	0000623956
Instrument Date	Apr 17, 2020
Instrument	623956
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.67
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	836 BLUFF AVE, SAINT CHARLES, MN 55972-1420

Mortgage

Document Number	0000623957
Date	Apr 22, 2020
Instrument	623957

Lender

Name	MERCHANTS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINONA MN
Recording Date	Mar 12, 2020
Property Address	836 BLUFF AVE, SAINT CHARLES, MN 55972-1420
Document Number	0000623189
Instrument Date	Mar 9, 2020
Instrument	623189
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Amount	Amount on Record
Tax	$560.67
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	88 PEARSON DR, SAINT CHARLES, MN 55972-1283

Tax Assessment & Valuation

The 2026 property tax bill for 836 Bluff Ave was $2,420.

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	$2,420.00	$200,500 (+6.99%) Land $40,600 Building $159,900	$200,500 (+6.99%) Land $40,600 Building $159,900
2025		$187,400 Land $38,700 Building $148,700	$187,400 Land $38,700 Building $148,700
2023	$1,940.00	$184,700 Land $38,300 Building $146,400	$184,700 Land $38,300 Building $146,400

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 836 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

The area around 836 Bluff Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Hiawatha Broadband Communications Cable · Fiber, Fixed Wireless in parts of the area	1,000 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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