Listed at
$435,000
$127/sqft

Birges 1st Add

1512 Whitewater Avenue, Saint Charles, MN, 55972
5  Bedrooms3  Bathrooms3,432  Square Feet0.601  Acres
Days on market58
Year built1870
Garage spaces2
TypeResidential
Est. $10,050buyer credit when you buy with SODL
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About this home

This is a pre-inspected true Victorian masterpiece defined by craftsmanship, scale, and timeless elegance. From the moment you arrive, the impressive brick exterior sets the tone for what awaits inside. Soaring 10 foot ceilings, rich hardwood floors, and extraordinary original character create a sense of grandeur rarely replicated today. Intricate plaster ceiling medallions, detailed 6" wide millwork, the original wood stairwell, and curved craftsmanship seldom seen in modern construction all speak to the artistry of the time. Every detail reflects a level of quality that just cannot be recreated. While the historic character remains beautifully intact, the sellers have made thoughtful investments to enhance comfort and livability. Custom made storm windows improve efficiency, ductwork was added to bring central air to the property, and the laundry was relocated to the main floor for everyday convenience. Electrical and plumbing systems have been updated, offering modern reliability. The kitchen and bathrooms were renovated in a way that feels cohesive and intentional, blending seamlessly with the home's original charm rather than competing with it. Situated on 2.5 city lots combined, this home offers a spacious yard to complement its impressive footprint. The detached garage includes storage space above, an attached insulated and heated workshop, and a lean to for additional covered parking. Previously operated as a Bed & Breakfast, the home has the potential to serve that purpose again, according to the City of St. Charles, offering the possibility of a unique income-producing opportunity. It is a beautifully preserved Victorian that has been respectfully updated and meticulously maintained.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1870
LevelsTwo
Living area3,432 sqft
Above-grade finished3,432 sqft
Below-grade finished0 sqft
Lot size0.601 acres (187x140)
Days on market58
ListedMar 16, 2026
MLS #NST7035869
CountyWinona
SubdivisionBirges 1st Add
Parcel #290100910

Facts & features

Interior

Bedrooms
5
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Boiler, Hot Water
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories
Two
Garage
2 spaces · 600 sqft
Carport
1
Parking features
Carport, Detached Garage, Concrete, Garage Door Opener, Storage
Patio & porch
Composite Decking, Deck, Front Porch
Exterior features
Stone

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Stone · 1,716 sqft
Roof
Age Over 8 Years, Asphalt, Flat, Pitched, Rubber
Year built
1870

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
Birges 1st Add
HOA
No HOA
School district
858 - St. Charles
High school district
St. Charles

Financial & listing details

Annual tax
$4,234 (2026)
Listed
Mar 16, 2026
Days on market
58 · 9 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementStorage Space, Unfinished
HeatingBoiler, Hot Water
CoolingCentral Air
Fireplaces1
LaundryMain Level
AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned
DiningSeparate/Formal Dining Room
AmenitiesDeck, French Doors, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Porch, Sun Room
AccessibilityNone
Special features4 BR on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorStone
RoofAge Over 8 Years, Asphalt, Flat, Pitched, Rubber
FoundationStone
Foundation area1,716 sqft
Patio/porchComposite Decking, Deck, Front Porch
Lot featuresCorner Lot
Road frontageCity Street, Sidewalks
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingCarport, Detached Garage, Concrete, Garage Door Opener, Storage
Garage spaces2
Garage size600 sqft

Financial details

Annual taxes$4,234
Tax year2026
Taxes w/ assessments4234
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
$10,050Estimated buyer credit
SODL platform fee $3,000Your buyer credit $10,050

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

$2,784/mo
Principal & interest$2,286
Property taxes$353
Home insurance (est.)$145
%
$87,000
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.

Location

1512 Whitewater Avenue, Saint Charles, MN, 55972

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Listing information

MLS #NST7035869
StatusClosed
Last updatedMay 15, 2026, 3:18 PM
Originally listedMar 16, 2026, 11:32 AM
Listing officeEdina Realty, Inc.

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.