12 Amber Ln, Esko, MN 55733 Property Records

Carlton County property record for 12 Amber Ln, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	0.168 acres (7,344 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Jul 2026)
Tax Bill	$2,698 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`78-195-0420`

Property Details

APN / Parcel Number

Primary APN	`78-195-0420`
Alternative APN	`27691`

Exterior

Lot Area	7,344 sqft (0.168 acres)

Location & Zoning

Account Number	27691
Street Address	12 AMBER LN
City	ESKO
State	MN
Zip	55733-5516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 21 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	21
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2066
Census Tract	70300

Owner

12 Amber Ln is owned and occupied by two individuals who bought it in July 2026.

Source: Carlton County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 AMBER LN, ESKO, MN 55733-5516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 6, 2026	Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jun 22, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2026 · Amount on File
Deed Sale	Jul 6, 2026 · Amount on File
Prior Sale	Jun 22, 2018 · Amount on File
Deed Document Number	2026527579
Prior Transfer Date	Aug 5, 2025
Prior Transfer Doc	0000522857
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 6, 2026
Property Address	12 AMBER LN, ESKO, MN 55733-5516
Document Number	0000527579
Instrument Date	Jun 25, 2026
Instrument	2026527579
Transaction Type	Transfer
Record Updated	Jul 16, 2026
Title Company	CARLTON COUNTY ABSTRACT AND TITLE, CARLTON COUNTY ABSTRACT & TITL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12 AMBER LN, ESKO, MN 55733-5516

Mortgage

Document Number	0000527580,
Date	Jul 6, 2026
Instrument	2026527580

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jun 22, 2018
Property Address	12 AMBER LN, ESKO, MN 55733-5516
Document Number	A000480827
Instrument Date	Jun 15, 2018
Instrument	A000480827
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 AMBER LN, ESKO, MN 55733-5516

Tax Assessment & Valuation

The 2026 property tax bill for 12 Amber Ln was $2,698 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	$2,698.00 Homeowner's exemption
2025		$231,900 (+2.47%) Land $47,000 Building $184,900	$231,900 (+2.47%) Land $47,000 Building $184,900
2024	$2,534.00 Homeowner's exemption	$226,300 (+8.59%) Land $47,000 Building $179,300	$226,300 (+8.59%) Land $47,000 Building $179,300
2023	$2,534.00 Homeowner's exemption	$208,400 (-) Land $46,800 Building $161,600	$208,400 (-) Land $46,800 Building $161,600
2022		$208,400 Land $46,800 Building $161,600	$208,400 Land $46,800 Building $161,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12 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 12 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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