16 Lois Ln, Esko, MN 55733 Property Records

Carlton County property record for 16 Lois Ln, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	0.659 acres (28,740 sqft)
Owner	Individual Name on Record
Tax Bill	$5,260 (2026)
Deeds & Mortgages	Feb 2019 Refinance Mar 2021 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`78-410-0120`

Property Details

APN / Parcel Number

Primary APN	`78-410-0120`
Alternative APN	`28100`

Exterior

Lot Area	28,740 sqft (0.659 acres)

Location & Zoning

Account Number	28100
Street Address	16 LOIS LN
City	ESKO
State	MN
Zip	55733-9706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILMART DIVISION
Legal Subdivision	WILMART DIVISION
Legal Lot Number	6
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2023
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	16 LOIS LN, ESKO, MN 55733-9706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 28, 2010	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK INC
Aug 13, 2007	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK INC
Jan 22, 2009	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK INC
Aug 31, 2006	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK INC
Nov 1, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CENTRICITY CREDIT UNION
Jul 31, 2006	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 31, 2006
Transfer Doc	0000403312
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000484853
Date	Feb 28, 2019
Instrument	A000484853

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2034

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000497831
Date	Mar 19, 2021
Instrument	A000497831

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	LAKEVIEW TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000429276
Date	Jan 28, 2010
Instrument	A000429276

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2039

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	LAKEVIEW TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000411778
Date	Aug 13, 2007
Instrument	A000411778

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2037

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	LAKEVIEW TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000421788
Date	Jan 22, 2009
Instrument	A000421788

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2024

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	LAKEVIEW TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000404040
Date	Aug 31, 2006
Instrument	A000404040

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	7 Months
Due	Mar 1, 2007

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Nov 1, 2022
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Document Number	A000509242
Instrument Date	Oct 31, 2022
Instrument	A000509242
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	16 LOIS LN, ESKO, MN 55733-9706

Mortgage

Document Number	A000509243
Date	Nov 1, 2022
Instrument	A000509243

Lender

Name	CENTRICITY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2006: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARLTON MN
Recording Date	Jul 31, 2006
Property Address	16 LOIS LN, ESKO, MN 55733-9706
Document Number	A000403312
Map Reference	DOC159111
Instrument Date	Jul 31, 2006
Instrument	A000403312
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$1.65
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 LOINS LN, ESKO, MN 55733-9706

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	$5,260.00 (+8.99%) Homeowner's exemption
2025		$453,200 (+3.94%) Land $67,700 Building $385,500	$453,200 (+3.94%) Land $67,700 Building $385,500
2024	$4,826.00 Homeowner's exemption	$436,000 (+8.73%) Land $67,700 Building $368,300	$436,000 (+8.73%) Land $67,700 Building $368,300
2023	$4,826.00 Homeowner's exemption	$401,000 (-) Land $65,400 Building $335,600	$401,000 (-) Land $65,400 Building $335,600
2022		$401,000 Land $65,400 Building $335,600	$401,000 Land $65,400 Building $335,600

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 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 78 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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