640 Central Ave, Florence, WI 54121 Property Records

Florence County property record for 640 Central Ave, Florence, WI 54121

Property Summary

Property Type	Commercial
Lot Size	0.082 acres (3,615 sqft)
Owner	Individual Name on Record
Last Sale	$53,000 (Aug 2023)
Tax Bill	$1,497 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Aug 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-02576-0000`

Property Details

APN / Parcel Number

Primary APN	`010-02576-0000`

Exterior

Lot Area	3,615 sqft (0.082 acres)

Location & Zoning

Street Address	640 CENTRAL AVE
City	FLORENCE
State	WI
Zip	54121
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 14 OF BLOCK 15 OF PLAT OF VILLAGE OF FLORENCE; SUBJECT TO V63-843
Legal Block	15
Legal Lot Number	14
Jurisdiction	FLORENCE WI
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1062
Census Tract	190101

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	W8549 MERRIMAN WEST RD, IRON MOUNTAIN, MI 49801-9553
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage COUNTY OF FLORENCE
Aug 21, 2023	Warranty Deed, Transfer FLORENCE COUNTY ABSTRACT COMPANY, FLORENCE COUNTY ABSTRACT CO
Jan 20, 2020	Warranty Deed, Transfer · Conventional Mortgage COVANTAGE CU
Feb 7, 2007	Warranty Deed, Transfer STATE BANK OF FLORENCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Jan 20, 2020 · Amount on Record
Deed Document Number	291843
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLORENCE WI
Property Address	640 CENTRAL AVE, FLORENCE, WI 54121
Transaction Type	Mortgage
Record Updated	Feb 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000286246
Date	Feb 25, 2020
Instrument	286246

Lender

Name	COUNTY OF FLORENCE
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE WI
Recording Date	Aug 21, 2023
Property Address	640 CENTRAL AVE, FLORENCE, WI 54121
Document Number	0000291843
Instrument Date	Aug 18, 2023
Instrument	291843
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	FLORENCE COUNTY ABSTRACT COMPANY, FLORENCE COUNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	W8549 MERRIMAN WEST RD, IRON MOUNTAIN, MI 49801-9553
Investor	Possibly a Property Investor

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE WI
Recording Date	Jan 20, 2020
Property Address	640 CENTRAL AVE, FLORENCE, WI 54121
Document Number	0000286118
Instrument Date	Jan 17, 2020
Instrument	286118
Transaction Type	Transfer
Record Updated	Feb 19, 2026
Title Company	FLORENCE COUNTY ABSTRACT COMPANY, FLORENCE COUNTY ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4878 MICHAEL STRANK LN, FLORENCE, WI 54121-8321
Investor	Possibly a Property Investor

Mortgage

Document Number	0000286119
Date	Jan 20, 2020
Instrument	286119

Lender

Name	COVANTAGE CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLORENCE WI
Recording Date	Feb 7, 2007
Property Address	640 CENTRAL AVE, FLORENCE, WI 54121
Document Number	000210/325
Book / Page	210 / 325
Instrument Date	Feb 5, 2007
Instrument	266989
Transaction Type	Transfer
Record Updated	Feb 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Estimated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 248, FLORENCE, WI 54121-0248
Investor	Possibly a Property Investor

Mortgage

Document Number	000210/326
Date	Feb 7, 2007
Book Page	210/326
Instrument	266990

Lender

Name	STATE BANK OF FLORENCE
Address	541 CENTRAL AVE, FLORENCE, WI 54121

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Florence County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Wisconsin
County	Florence County
County Subdivision	Florence Town
Unified School District	Florence School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,497.00 (+119.5%)	$99,800 (+226.14%) Land $2,700 Building $97,100	$120,600 (+145.12%) Land $3,263 Building $117,337
2023	$682.00 (+3.18%)	$30,600 (-) Land $4,500 Building $26,100	$49,200 (+14.95%)
2022	$661.00	$30,600 Land $4,500 Building $26,100	$42,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 6, 2023 · 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

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

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	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

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 120 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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