Winona County property record for 972 Bluff Ave, Saint Charles, MN 55972
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,016 sqft · built 1880 |
| Lot Size | 0.295 acres (12,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Jul 2025) |
| Tax Bill | $1,742 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Oct 2019 Mortgage + 1 more |
| APN | 29.080.0160 |
| Primary APN | 29.080.0160 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,016 sqft Living Area |
| 1st Floor Area | 480 sqft |
| Basement Area | 296 sqft |
| Unfinished Basement | 296 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,850 sqft (0.295 acres) |
| Lot Dimensions | 155 ft deep x 83 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Porch | Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 972 BLUFF AVE |
|---|---|
| City | SAINT CHARLES |
| State | MN |
| Zip | 55972-1422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-19 TWP-106 RANGE-010 STONES ADDITION LOT-009 BLOCK-002 & N 30' OF VINE ST ADJ TO ABOVE |
| Legal Range | 010 |
| Legal Township | 106 |
| Legal Section | 19 |
| Legal Subdivision | STONES ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | WINONA MN |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 671000 |
Source: Winona County records · APN 29.080.0160
Assessment roll updated August 5, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 972 BLUFF AVE, SAINT CHARLES, MN 55972-1422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 02, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Oct 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MERCHANTS BANK NA |
| Jan 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage MERCHANTS BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 09, 2025 · Amount on Record |
| Deed Sale | Jul 09, 2025 · Amount on Record |
| Prior Sale | Jun 02, 2022 · Amount on Record |
| Deed Document Number | 2025661499 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Jun 02, 2022 |
| Property Address | 972 BLUFF AVE, SAINT CHARLES, MN 55972-1422 |
| Document Number | 000A643150 |
| Instrument Date | May 12, 2022 |
| Instrument | A643150 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2022 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $478.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 972 BLUFF AVE, SAINT CHARLES, MN 55972-1422 |
| Document Number | 000A643151 |
|---|---|
| Date | Jun 02, 2022 |
| Instrument | A643151 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINONA MN |
| Property Address | 972 BLUFF AVE, SAINT CHARLES, MN 55972-1422 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2019 |
| Name | Verified Name |
|---|
| Document Number | 619787 |
|---|---|
| Date | Oct 03, 2019 |
| Instrument | 619787 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Address | WINONA, MN 55987 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINONA MN |
| Recording Date | Jan 17, 2019 |
| Property Address | 972 BLUFF AVE, SAINT CHARLES, MN 55972-1422 |
| Document Number | 614877 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 614877 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $321.42 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 972 BLUFF AVE, SAINT CHARLES, MN 55972-1422 |
| Document Number | 614878 |
|---|---|
| Date | Jan 17, 2019 |
| Instrument | 614878 |
| Name | MERCHANTS BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
Source: Winona County records · Assessment roll updated August 5, 2025 · Last verified April 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 | $1,742.00 (+21.82%) | ||
| 2025 | $163,900 (+2.76%) Land $45,900 Building $118,000 | $163,900 (+2.76%) Land $45,900 Building $118,000 | |
| 2023 | $1,430.00 Homeowner's exemption | $159,500 Land $45,400 Building $114,100 | $159,500 Land $45,400 Building $114,100 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 | 1,000 / 50 |
| Hiawatha Broadband Communications Cable · Fiber, Fixed Wireless in parts of the area | 1,000 / 30 |
| LTD Broadband Fixed Wireless | 150 / 130 |
May also be available: Verizon.
Based on FCC filings for 365 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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