123 Koski Rd, Esko, MN 55733 Property Records

Carlton County property record for 123 Koski Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Apr 2011)
Tax Bill	$1,876 (2026)
Deeds & Mortgages	Oct 2014 Mortgage Apr 2011 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-3901`

Property Details

APN / Parcel Number

Primary APN	`78-020-3901`
Alternative APN	`26097`

Exterior

Lot Area	56,628 sqft (1.3 acres)

Location & Zoning

Account Number	26097
Street Address	123 KOSKI RD
City	ESKO
State	MN
Zip	55733-9526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COM AT NE COR POST OF SE1/4 OF SE1/4 TH S 210 TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	18
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2014
Census Tract	70300

Owner

Source: Carlton County records, as of April 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	123 KOSKI RD, ESKO, MN 55733-9526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2014	Intrafamily Transfer, Transfer · ARM PARK STATE BANK
Apr 6, 2011	Warranty Deed, Transfer · ARM MEMBERS COOPERATIVE CU
Apr 6, 2011	Affidavit of Death of Joint Tenant, Transfer RES TITLE, RELS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2011 · Amount on Record
Deed Sale	Apr 6, 2011 · Amount on Record
Deed Document Number	2011436869
Last Transfer Date	Sep 25, 2014
Transfer Doc	0000458756
Record Updated	Sep 20, 2026

October 2014: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARLTON MN
Recording Date	Oct 2, 2014
Property Address	123 KOSKI RD, ESKO, MN 55733-9526
Document Number	A000458756
Instrument Date	Sep 25, 2014
Instrument	A000458756
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	A000458757
Date	Oct 2, 2014
Instrument	A000458757

Lender

Name	PARK STATE BANK
Type	Bank
Address	DULUTH, MN 55806

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2044

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2017
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	11.3%

April 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Apr 6, 2011
Property Address	123 KOSKI RD, ESKO, MN 55733-9526
Document Number	A000436869
Instrument Date	Mar 28, 2011
Instrument	A000436869
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	RES TITLE, RELS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4780 LOUIS CT, SAGINAW, MN 55779-9701

Mortgage

Document Number	A000436870
Date	Apr 6, 2011
Instrument	A000436870

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Mar 28, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Mar 28, 2014
Min Rate At Change	4.4%
Max Rate At Change	7.25%
Index	Prime Rate
Margin	2
Max Rate	11.2%

April 2011: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CARLTON MN
Recording Date	Apr 6, 2011
Property Address	123 KOSKI RD, ESKO, MN 55733-9526
Document Number	A000436868
Instrument Date	Mar 28, 2011
Instrument	A000436868
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	RES TITLE, RELS TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4780 LOUIS CT, SAGINAW, MN 55779-9701
Mail Care Of	THERESA CHAMPEAUX

Tax Assessment & Valuation

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	$1,876.00 (+7.32%) Homeowner's exemption
2025		$170,400 (+3.02%) Land $53,300 Building $117,100	$170,400 (+3.02%) Land $53,300 Building $117,100
2024	$1,748.00 Homeowner's exemption	$165,400 (+8.39%) Land $53,300 Building $112,100	$165,400 (+8.39%) Land $53,300 Building $112,100
2023	$1,748.00 Homeowner's exemption	$152,600 (-) Land $51,100 Building $101,500	$152,600 (-) Land $51,100 Building $101,500
2022		$152,600 Land $51,100 Building $101,500	$152,600 Land $51,100 Building $101,500

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 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	0.02% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000
Airfiber Fixed Wireless	100 / 20

May also be available: Verizon.

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