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Single Family ResidenceResidential
$232,323$203 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

655 WHITEWATER AVE

SAINT CHARLES, MN 55972
2
Beds
2
Baths
1,144 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1951
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$232K
$216K low$249K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,728 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$247,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$36,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$210,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$234,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$247,500

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.12
39
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyWINONA
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1990
Lot (acres)The size of the land the home sits on, from county records.0.21
ConstructionThe main material the home's frame and walls are built from.Metal Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 210 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
St. Charles Elementary SchoolB+
Elementary · Grades PK–6 · 0.2 mi
M
St. Charles Secondary SchoolA
Middle · Grades 7–12 · 0.5 mi

District: St. Charles Public School District

Neighborhood · ZIP 55972These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.88
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.82
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.14

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.4,885
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.56 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,381
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$129,255
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

655 Whitewater Ave measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 66% of homes in Saint Charles 55972
  • Smaller than 80% of homes in Saint Charles 55972
  • Has a smaller lot than 82% of homes in Saint Charles 55972
  • Older than 71% of homes in Saint Charles 55972

What homes are worth in Saint Charles 55972

Each bar is how many homes fall in that price range. The marker is this home.

This home
$129K$612K

This home is worth more than 34% of homes in Saint Charles 55972.

How it measures up in Saint Charles 55972

The dot is this home. The mark in the middle is the typical home in Saint Charles 55972.

Estimated value$232,323
CheaperTypical $277,551Pricier

Pricier than 34% of homes nearby

Price per ft²$203
CheaperTypical $199Pricier

Pricier than 53% of homes nearby

Living area1,144 ft²
SmallerTypical 1,444 ft²Bigger

Bigger than 20% of homes nearby

Lot size0.21 ac
SmallerTypical 0.32 acBigger

Bigger than 18% of homes nearby

Year built1951
OlderTypical 1985Newer

Newer than 29% of homes nearby

How 655 Whitewater Ave ranks against every home in each area.
MeasureThis homeSaint Charles 55972Winona County
Estimated valuepricier than$232,32334% of homes38% of homes
Price per ft²pricier than$20353% of homes56% of homes
Living areabigger than1,144 ft²20% of homes28% of homes
Lot sizebigger than0.21 ac18% of homes46% of homes
Year builtnewer than195129% of homes44% of homes

About 655 Whitewater Ave

How much is 655 Whitewater Ave, Saint Charles, MN worth?

The TopHap Estimate for 655 Whitewater Ave, Saint Charles, MN is $232,323 as of Sep 24, 2026. The likely range is $215,514 to $249,132. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 655 Whitewater Ave, Saint Charles, MN last sell?

655 Whitewater Ave, Saint Charles, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 655 Whitewater Ave, Saint Charles, MN?

655 Whitewater Ave, Saint Charles, MN has 2 bedrooms, 2 bathrooms, 1,144 square feet of living space and a 0.21-acre lot.

When was 655 Whitewater Ave, Saint Charles, MN built?

655 Whitewater Ave, Saint Charles, MN was built in 1951, making it 75 years old. It is a ranch home. The building has 2 stories.

What schools serve 655 Whitewater Ave, Saint Charles, MN?

655 Whitewater Ave, Saint Charles, MN is assigned to St. Charles Elementary School (elementary), rated B+; St. Charles Secondary School (middle), rated A. All sit in St. Charles Public School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 655 Whitewater Ave, Saint Charles, MN compare to other homes in Saint Charles 55972?

Among the 1,662 homes in Saint Charles 55972, it is worth more than 34% of them ($232,323 against a typical $277,551), its price per square foot is higher than 53% of them ($203 against a typical $199), it is bigger than 20% of them (1,144 ft² against a typical 1,444 ft²), its lot is bigger than 18% of them (0.21 ac against a typical 0.32 ac) and it is newer than 29% of them (1951 against a typical 1985). Measured against all of Winona County, it is worth more than 38% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 655 Whitewater Ave, Saint Charles, MN?

The 2026 property tax bill for 655 Whitewater Ave, Saint Charles, MN was $2,728. The county assessed it at $247,500.

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