Mille Lacs County property record for 40054 Torchlight Rd, Isle, MN 56342
| Property Type | Single Family Home |
|---|---|
| Details | 1,392 sqft · built 2005 |
| Lot Size | 2.94 acres (128,066 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,000 (Sep 2005) |
| Tax Bill | $2,728 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-012-1100 |
| Primary APN | 08-012-1100 |
|---|
| Building Area | 1,392 sqft Total Area |
|---|
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 128,066 sqft (2.94 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Street Address | 40054 TORCHLIGHT RD |
|---|---|
| City | ISLE |
| State | MN |
| Zip | 56342-2684 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 335 OF S 400 FT OF SE OF SW, EX .14A TO HY 12 42 25 2.94 |
| Legal Range | 25 |
| Legal Township | 42 |
| Legal Section | 12 |
| Jurisdiction | MILLE LACS MN |
| Township / Civil Division | ISLE HARBOR |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 970100 |
40054 Torchlight Rd is owned and occupied by an individual who bought it in September 2005.
Source: Mille Lacs County records, as of September 4, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 40054 TORCHLIGHT RD, ISLE, MN 56342-2684 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2005 · Amount on File |
| Deed Sale | Sep 12, 2005 · Amount on File |
| Deed Document Number | 2005325755 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLE LACS MN |
| Property Address | 40054 TORCHLIGHT RD, ISLE, MN 56342-2684 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000A433316 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | A433316 |
| Name | FIRST NATIONAL BANK MILACA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 1, 2027 |
| Rate Type | Fixed Rate |
|---|
The 2026 property tax bill for 40054 Torchlight Rd was $2,728.
Source: Mille Lacs County assessment roll, as of September 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Mille Lacs County |
| County Subdivision | Isle Harbor Township |
| Unified School District | Isle Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,728.00 | $310,800 (+2.34%) Land $55,700 Building $255,100 | $310,800 (+2.34%) Land $55,700 Building $255,100 |
| 2025 | $303,700 Land $55,700 Building $248,000 | $303,700 Land $55,700 Building $248,000 | |
| 2023 | $2,328.00 | $255,900 Land $47,800 Building $208,100 | $255,900 Land $47,800 Building $208,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40054 Torchlight Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective March 4, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2011–2019) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2019 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 40054 Torchlight Rd is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 73% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Fiber · Cable | 1,000 / 1,000 |
May also be available: T-Mobile.
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