11 Amber Ln, Esko, MN 55733 Property Records

Carlton County property record for 11 Amber Ln, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	0.156 acres (6,826 sqft)
Owner	Individual Name on File
Last Sale	$289,900 (Oct 2021)
Tax Bill	$5,962 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78-195-0100`

Property Details

APN / Parcel Number

Primary APN	`78-195-0100`
Alternative APN	`27675`

Exterior

Lot Area	6,826 sqft (0.156 acres)

Location & Zoning

Account Number	27675
Street Address	11 AMBER LN
City	ESKO
State	MN
Zip	55733-5516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 5 CIC #2 - THE PONDS ON MIDWAY
Legal Range	16
Legal Township	49
Legal Section	28
Legal Subdivision	CIC #2 - THE PONDS ON MIDWAY
Legal Unit	5
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2035
Census Tract	70300

Owner

11 Amber Ln is owned and occupied by an individual who bought it in October 2021.

Source: Carlton County records, as of June 26, 2026

Owner of Record	Individual Name on File
Mailing Address	11 AMBER LN, ESKO, MN 55733-5516
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 17, 2026	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Oct 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2021 · Amount on File
Deed Sale	Oct 15, 2021 · Amount on File
Prior Sale	Jul 27, 2007 · Amount on File
Deed Document Number	2021502320
Prior Transfer Date	Jul 20, 2015
Prior Transfer Doc	0000463740
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	Jun 17, 2026
Property Address	11 AMBER LN, ESKO, MN 55733-5516
Document Number	0000527348
Instrument Date	Jan 7, 2026
Instrument	2026527348
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 AMBER LN, ESKO, MN 55733-5516

Mortgage

Document Number	0000527348,
Date	Jun 17, 2026
Instrument	2026527348

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	55 Months
Due	Jan 7, 2031

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 15, 2021
Property Address	11 AMBER LN, ESKO, MN 55733-5516
Document Number	A000502320
Instrument Date	Oct 8, 2021
Instrument	A000502320
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 AMBER LN, ESKO, MN 55733-5516

Mortgage

Document Number	A000502323
Date	Oct 15, 2021
Instrument	A000502323

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 11 Amber Ln was $5,962 with a homeowner's exemption.

Source: Carlton County assessment roll, as of April 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
County Subdivision	Thomson Township
Unified School District	Esko Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,962.00 Homeowner's exemption
2025		$507,800 (+3.89%) Land $57,000 Building $450,800	$507,800 (+3.89%) Land $57,000 Building $450,800
2024	$5,378.00 Homeowner's exemption	$488,800 (+9.55%) Land $57,000 Building $431,800	$488,800 (+9.55%) Land $57,000 Building $431,800
2023	$5,378.00 Homeowner's exemption	$446,200 (-) Land $56,800 Building $389,400	$446,200 (-) Land $56,800 Building $389,400
2022		$446,200 Land $56,800 Building $389,400	$446,200 Land $56,800 Building $389,400

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

Flood

FEMA maps place 11 Amber Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective March 13, 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	6 in force
Nearby Flood Claims	6 (1985–2012)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 claims

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 11 Amber Ln 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	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: Airfiber, Verizon.

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