Carlton County property record for 184 Jay Cooke Rd, Esko, MN 55733
| Property Type | Single Family Home |
|---|---|
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $474,900 (Aug 2019) |
| Tax Bill | $8,534 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78-020-8802 |
| Primary APN | 78-020-8802 |
|---|---|
| Alternative APN |
|
| Lot Area | 217,800 sqft (5 acres) |
|---|
| Account Number | 27172 |
|---|---|
| Street Address | 184 JAY COOKE RD |
| City | ESKO |
| State | MN |
| Zip | 55733-9722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S1/2 E1/2 OF N1/2 SW1/4 OF SW1/4 SUBJ TO EASE TOWN OF THOMSON TOWNSHIP |
| Legal Range | 16 |
| Legal Township | 49 |
| Legal Section | 35 |
| Legal Subdivision | TOWN OF THOMSON TOWNSHIP |
| Jurisdiction | CARLTON MN |
| Township / Civil Division | THOMSON |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 70300 |
184 Jay Cooke Rd is owned and occupied by two individuals who bought it in August 2019.
Source: Carlton County records, as of April 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 184 JAY COOKE RD, ESKO, MN 55733-9722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONAL BANK OF COMMERCE |
| Jul 16, 2019 | Deed of Trust, Mortgage · Balloon Mortgage NORTHWOODS CREDIT UNION |
| Aug 22, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2019 · Amount on File |
| Deed Sale | Aug 22, 2019 · Amount on File |
| Prior Sale | Jun 22, 2012 · Amount on File |
| Deed Document Number | 2019487450 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Property Address | 184 JAY COOKE RD, ESKO, MN 55733-9722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000497267 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | A000497267 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Property Address | 184 JAY COOKE RD, ESKO, MN 55733-9722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A000486760 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | A000486760 |
| Name | NORTHWOODS CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Aug 22, 2019 |
| Property Address | 184 JAY COOKE RD, ESKO, MN 55733-9722 |
| Document Number | A000487450 |
| Instrument Date | Aug 19, 2019 |
| Instrument | A000487450 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 184 JAY COOKE RD, ESKO, MN 55733-9722 |
| Document Number | A000487451 |
|---|---|
| Date | Aug 22, 2019 |
| Instrument | A000487451 |
| Name | NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2026 property tax bill for 184 Jay Cooke Rd was $8,534 with a homeowner's exemption.
Source: Carlton County assessment roll, as of April 24, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Carlton County |
| County Subdivision | Thomson Township |
| Unified School District | Esko Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,534.00 Homeowner's exemption | ||
| 2025 | $688,300 (+3.88%) Land $109,800 Building $578,500 | $688,300 (+3.88%) Land $109,800 Building $578,500 | |
| 2024 | $7,508.00 Homeowner's exemption | $662,600 (+10.05%) Land $109,800 Building $552,800 | $662,600 (+10.05%) Land $109,800 Building $552,800 |
| 2023 | $7,508.00 Homeowner's exemption | $602,100 (-) Land $103,600 Building $498,500 | $602,100 (-) Land $103,600 Building $498,500 |
| 2022 | $602,100 Land $103,600 Building $498,500 | $602,100 Land $103,600 Building $498,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 184 Jay Cooke Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.
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 Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2015 · other causes |
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 risk around 184 Jay Cooke Rd 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.
Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
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