160 Shepherd Ln, Esko, MN 55733 Property Records

Carlton County property record for 160 Shepherd Ln, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on File
Last Sale	$319,900 (Nov 2024)
Tax Bill	$2,650 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-2130`

Property Details

APN / Parcel Number

Primary APN	`78-020-2130`
Alternative APN	`25669`

Exterior

Lot Area	108,900 sqft (2.5 acres)

Location & Zoning

Account Number	25669
Street Address	160 SHEPHERD LN
City	ESKO
State	MN
Zip	55733-9564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE1/4 OF NW1/4 OF TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	11
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	3
Census Block	3010
Census Tract	70300

Owner

Source: Carlton County assessment roll, APN 78-020-2130, as of April 24, 2026 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	160 SHEPHERD LN, ESKO, MN 55733-9564
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 01, 2025	Deed of Trust, Mortgage · Conventional Mortgage SWIFT HOME LOANS INC
Nov 12, 2024	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BANK OF COMMERCE
May 11, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MEMBERS COOPERATIVE CREDIT UNION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 12, 2024 · Amount on Record
Deed Sale	Nov 12, 2024 · Amount on Record
Prior Sale	May 10, 2022 · Amount on Record
Deed Document Number	2024519032
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	160 SHEPHERD LN, ESKO, MN 55733-9564
Transaction Type	Mortgage
Record Updated	Nov 12, 2025
Title Company	BEST TITLE COMPANY, ESSENT TITLE INSURANCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000523487
Date	Oct 01, 2025
Instrument	A000523487

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2055

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Nov 12, 2024
Property Address	160 SHEPHERD LN, ESKO, MN 55733-9564
Document Number	A000519032
Instrument Date	Nov 08, 2024
Instrument	A000519032
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	160 SHEPHERD LN, ESKO, MN 55733-9564

Mortgage

Document Number	A000519033
Date	Nov 12, 2024
Instrument	A000519033

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2054

Interest

Rate Type	Adjustable Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	May 11, 2022
Property Address	160 SHEPHERD LN, ESKO, MN 55733-9564
Document Number	A000506128
Instrument Date	May 10, 2022
Instrument	A000506128
Transaction Type	Transfer
Record Updated	Jun 08, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	160 SHEPHERD LN, ESKO, MN 55733-9564

Mortgage

Document Number	A000506129
Date	May 11, 2022
Instrument	A000506129

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	May 01, 2032
Max Rate At Change	1.7%
Index	Other

Tax Assessment & Valuation

Source: Carlton County assessment roll as of April 24, 2026 · Last verified May 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,650.00 (+6.51%) Homeowner's exemption
2025		$245,200 (+2.64%) Land $80,600 Building $164,600	$245,200 (+2.64%) Land $80,600 Building $164,600
2024	$2,488.00 Homeowner's exemption	$238,900 (+8.69%) Land $80,600 Building $158,300	$238,900 (+8.69%) Land $80,600 Building $158,300
2023	$2,488.00 Homeowner's exemption	$219,800 (-) Land $76,800 Building $143,000	$219,800 (-) Land $76,800 Building $143,000
2022		$219,800 Land $76,800 Building $143,000	$219,800 Land $76,800 Building $143,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carlton County (27017C), as of March 13, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270170703003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, 25 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Fiber · Cable in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
AirFiber Fixed Wireless	100 / 20

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