Florence County property record for 440 Central Ave, Florence, WI 54121
| Property Type | Commercial |
|---|---|
| Lot Size | 0.33 acres (14,418 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,013 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-02541-0000 |
| Primary APN | 010-02541-0000 |
|---|
| Lot Area | 14,418 sqft (0.33 acres) |
|---|
| Street Address | 440 CENTRAL AVE |
|---|---|
| City | FLORENCE |
| State | WI |
| Zip | 54121-9485 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOTS 11-14 OF BLOCK 13 OF VILLAGE OF FLORENCE PLAT |
| Legal Block | 13 |
| Legal Lot Number | 11-14 |
| Jurisdiction | FLORENCE WI |
| Township / Civil Division | FLORENCE |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 190101 |
Source: Florence County records, as of February 18, 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 | Company Name on Record |
|---|---|
| Mailing Address | 303 SELDEN RD, IRON RIVER, MI 49935-1831 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 9, 2019 | Deed of Trust, Mortgage · Commercial Mortgage BMO HARRIS BANK NA |
| Dec 2, 2025 | Deed of Trust, Mortgage · Commercial Mortgage BMO BANK NA |
| Feb 22, 2010 | Deed of Trust, Mortgage M&I MARSHALL & ILSLEY BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE WI |
| Property Address | 440 CENTRAL AVE, FLORENCE, WI 54121-9485 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000282/693 |
|---|---|
| Date | Oct 9, 2019 |
| Book Page | 282/693 |
| Instrument | 285691 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE WI |
| Property Address | 440 CENTRAL AVE, FLORENCE, WI 54121-9485 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000294892 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 294892 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FLORENCE WI |
| Property Address | 440 CENTRAL AVE, FLORENCE, WI 54121-9485 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 303 SELDEN RD, IRON RIVER, MI 49935-1831 |
| Document Number | 000230/137 |
|---|---|
| Date | Feb 22, 2010 |
| Book Page | 230/137 |
| Instrument | 272169 |
| Name | M&I MARSHALL & ILSLEY BANK |
|---|---|
| Address | 500 N 1ST ST STE 6, WAUSAU, WI 54403 |
| Amount | Amount Recorded |
|---|
Source: Florence County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Wisconsin |
| County | Florence County |
| County Subdivision | Florence Town |
| Unified School District | Florence School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,013.00 (-14.83%) | $324,700 (+34.17%) Land $10,800 Building $313,900 | $392,200 (+0.77%) Land $13,045 Building $379,155 |
| 2023 | $5,886.00 | $242,000 Land $27,000 Building $215,000 | $389,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 6, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Wisconsin |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FLORENCE UTILITY COMMISSION serves 1,250 people · EPA ID WI4190155 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2023) 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, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Nsight Telservices.
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