149 W Harney Rd, Esko, MN 55733 Property Records

Carlton County property record for 149 W Harney Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jun 2011)
Tax Bill	$7,450 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2005 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-3690`

Property Details

APN / Parcel Number

Primary APN	`78-020-3690`
Alternative APN	`26065`

Exterior

Lot Area	435,600 sqft (10 acres)

Location & Zoning

Account Number	26065
Street Address	149 W HARNEY RD
City	ESKO
State	MN
Zip	55733-9529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 OF W1/2 OF SW1/4 OF SE1/4 TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	17
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2020
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	149 W HARNEY RD, ESKO, MN 55733-9529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK
Jan 14, 2005	Deed of Trust, Mortgage · Line of Credit PIONEER NATIONAL BANK OF DULUTH
Jun 24, 2011	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Feb 5, 2007	Warranty Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2011 · Amount on Record
Deed Sale	Jun 24, 2011 · Amount on Record
Prior Sale	Feb 5, 2007 · Amount on Record
Deed Document Number	2011438128
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	149 W HARNEY RD, ESKO, MN 55733-9529
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000496583
Date	Jan 15, 2021
Instrument	A000496583

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	149 W HARNEY RD, ESKO, MN 55733-9529
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	A000389029
Date	Jan 14, 2005
Instrument	A000389029

Lender

Name	PIONEER NATIONAL BANK OF DULUTH
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jun 24, 2011
Property Address	149 W HARNEY RD, ESKO, MN 55733-9529
Document Number	A000438128
Instrument Date	Jun 17, 2011
Instrument	A000438128
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	RELS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089.00
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
Address	149 W HARNEY RD, ESKO, MN 55733-9529

Mortgage

Document Number	A000438129
Date	Jun 24, 2011
Instrument	A000438129

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2041

February 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Feb 5, 2007
Property Address	149 W HARNEY RD, ESKO, MN 55733-9529
Document Number	A000407437
Instrument Date	Feb 1, 2007
Instrument	A000407437
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	CARLTON COUNTY ABSTRACT & TI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,171.50
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
Address	149 W HARNEY RD, ESKO, MN 55733-9529

Mortgage

Document Number	A000407438
Date	Feb 5, 2007
Instrument	A000407438

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2037

Mortgage

Document Number	A000407439
Date	Feb 5, 2007
Instrument	A000407439

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2022

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	$7,450.00 (+12.13%) Homeowner's exemption
2025		$611,900 (+3.98%) Land $131,000 Building $480,900	$611,900 (+3.98%) Land $131,000 Building $480,900
2024	$6,644.00 Homeowner's exemption	$588,500 (+8.42%) Land $131,000 Building $457,500	$588,500 (+8.42%) Land $131,000 Building $457,500
2023	$6,644.00 Homeowner's exemption	$542,800 (-) Land $123,000 Building $419,800	$542,800 (-) Land $123,000 Building $419,800
2022		$542,800 Land $123,000 Building $419,800	$542,800 Land $123,000 Building $419,800

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 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	Under 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 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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