Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $2,600 (2025).

What school district is this property in?

This property is in the 858 - St. Charles school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 76 days.

No photos available

Listed at

$245,000

$119/sqft

Bachelders Add

1231 Church Avenue, Saint Charles, MN, 55972

4 Bedrooms2 Bathrooms2,056 Square Feet0.18 Acres

Days on market76

Year built1915

Garage spaces2

TypeResidential

Est. $4,350buyer credit when you buy with SODL

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About this home

Step into timeless character with this charming 1915 home located in the heart of Saint Charles. Full of original charm and warmth, this home blends historic appeal with thoughtful updates throughout. A kitchen addition completed in 2005 provides added space and functionality, making it perfect for everyday living and entertaining. Recent improvements offer peace of mind, including a beautifully remodeled bathroom in 2020, a new furnace and central air system, and new plumbing in 2020, and a new roof installed in 2022. Centrally located in Saint Charles, this home is a short walk from the elementary school, grocery store, and downtown amenities.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1915

LevelsTwo

Living area2,056 sqft

Above-grade finished2,056 sqft

Below-grade finished0 sqft

Lot size0.18 acres (57x140)

Days on market76

ListedMay 7, 2026

MLS #NST7039599

CountyWinona

SubdivisionBachelders Add

Parcel #290050020

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 3/4 / 1 1/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories: Two
Garage: 2 spaces · 864 sqft
Parking features: Detached Garage, Gravel, Concrete, Garage Door Opener
Patio & porch: Deck, Enclosed
Exterior features: Slate, Vinyl
Lot size: 0.18 acres

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Stone
Foundation: Stone · 835 sqft
Roof: Age 8 Years or Less
Year built: 1915

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 150 Amp Service

Community & HOA

Subdivision: Bachelders Add
HOA: No HOA
School district: 858 - St. Charles
High school district: St. Charles

Financial & listing details

Annual tax: $2,600 (2025)
Listed: May 7, 2026
Days on market: 76 · 21 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths0

3/4 baths1

Half baths0

1/4 baths1

BasementPartial

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Main Level

AppliancesDishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningSeparate/Formal Dining Room

AmenitiesCeiling Fan(s), Hardwood Floors, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Paneled Doors, Porch, Tile Floors

AccessibilityNone

Special features3 BR on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorSlate, Vinyl

RoofAge 8 Years or Less

FoundationStone

Foundation area835 sqft

Patio/porchDeck, Enclosed

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Gravel, Concrete, Garage Door Opener

Garage spaces2

Garage size864 sqft

Financial details

Annual taxes$2,600

Tax year2025

Taxes w/ assessments2600

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District858 - St. Charles

District number858

District phone5079324423

High schoolSt. Charles

SODL flat fee brokerage

$4,350Estimated buyer credit

SODL platform fee $3,000Your buyer credit $4,350

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$1,586/mo

Principal & interest$1,288

Property taxes$217

Home insurance (est.)$82

Down payment

$49,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.