540 3rd Ave SW, Cambridge, MN 55008 Property Records

Isanti County property record for 540 3rd Ave SW, Cambridge, MN 55008

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,071 sqft · built 1910
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$262,000 (Jun 2026)
Tax Bill	$2,556 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`15.054.0150`

Property Details

APN / Parcel Number

Primary APN	`15.054.0150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,071 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	540 3RD AVE SW
City	CAMBRIDGE
State	MN
Zip	55008-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME GILES BLOCK SUBDIVISIONCD 15054 W 100' OF S 150' OF SW/4 SW/4
Legal Range	023
Legal Township	036
Legal Section	32
Legal Subdivision	GILES BLOCK
Legal Block	W
Jurisdiction	ISANTI MN
Township / Civil Division	CAMBRIDGE
Census Block Group	2
Census Block	2016
Census Tract	130303

Owner

540 3rd Ave SW is owned and occupied by an individual who bought it in June 2026.

Source: Isanti County records, as of August 10, 2026

Owner of Record	Individual Name on File
Mailing Address	540 3RD AVE SW, CAMBRIDGE, MN 55008-1407
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Oct 27, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on File
Deed Sale	Jun 29, 2026 · Amount on File
Prior Sale	Oct 27, 2017 · Amount on File
Deed Document Number	2026546007
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISANTI MN
Recording Date	Jun 29, 2026
Property Address	540 3RD AVE SW, CAMBRIDGE, MN 55008-1407
Document Number	0000546007
Instrument Date	Jun 26, 2026
Instrument	2026546007
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,324.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 3RD AVE SW, CAMBRIDGE, MN 55008-1407

Mortgage

Document Number	0000546008,
Date	Jun 29, 2026
Instrument	2026546008

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ISANTI MN
Recording Date	Oct 27, 2017
Property Address	540 3RD AVE SW, CAMBRIDGE, MN 55008-1407
Document Number	0000740408
Instrument Date	Oct 27, 2017
Instrument	740408
Transaction Type	Transfer
Record Updated	Dec 7, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 3RD AVE SW CAMBRIDGE MN 550081407, CAMBRIDGE, MN 55008-1407

Tax Assessment & Valuation

The 2026 property tax bill for 540 3rd Ave SW was $2,556 with a homeowner's exemption.

Source: Isanti County assessment roll, as of August 10, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Isanti County
Municipality	Cambridge City
Unified School District	Cambridge-Isanti Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,556.00 Homeowner's exemption	$211,500 (+5.59%) Land $30,000 Building $181,500	$211,500 (+5.59%) Land $30,000 Building $181,500
2025		$200,300 Land $30,000 Building $170,300	$200,300 Land $30,000 Building $170,300
2023	$2,668.00 (-2.06%) Homeowner's exemption	$204,900 Land $26,300 Building $178,600	$204,900 Land $26,300 Building $178,600
2022	$2,724.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 540 3rd Ave SW in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 25, 2024 · 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	1 in force

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

Wildfire risk around 540 3rd Ave SW is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cambridge serves 9,862 people · EPA ID MN1300002
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ECE Fiber Fiber	2,000 / 2,000
Midco Cable	2,000 / 350
Windstream DSL	200 / 20
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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