197 Prairie Ln, Esko, MN 55733 Property Records

Carlton County property record for 197 Prairie Ln, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	2.79 acres (121,532 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Aug 2007)
Tax Bill	$5,704 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-5565`

Property Details

APN / Parcel Number

Primary APN	`78-020-5565`
Alternative APN	`26418`

Exterior

Lot Area	121,532 sqft (2.79 acres)

Location & Zoning

Account Number	26418
Street Address	197 PRAIRIE LN
City	ESKO
State	MN
Zip	55733-5500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE1/4 SE1/4 DESC AS FOLL E 775 FT OF TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	23
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	3
Census Block	3025
Census Tract	70300

Owner

Source: Carlton County records, as of May 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	197 PRAIRIE LN, ESKO, MN 55733-5500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit HARBORONE CREDIT UNION
Apr 14, 2026	Deed of Trust · Line of Credit HARBORONE CREDIT UNION
Jul 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2007 · Amount on Record
Deed Sale	Aug 3, 2007 · Amount on Record
Deed Document Number	2007411533
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	Apr 14, 2026
Property Address	197 PRAIRIE LN, ESKO, MN 55733-5500
Document Number	A000526302
Instrument Date	Apr 9, 2026
Instrument	2026526302
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 PRAIRIE LN, ESKO, MN 55733-5500

Mortgage

Document Number	0000526302,
Date	Apr 14, 2026
Instrument	2026526302

Lender

Name	HARBORONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 25, 2041

Interest

Rate	5.5%
Max Rate	-1%

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	Apr 14, 2026
Property Address	197 PRAIRIE LN, ESKO, MN 55733-5500
Document Number	0000526302
Instrument Date	Apr 9, 2026
Instrument	2026526302
Record Updated	Apr 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	197 PRAIRIE LN, ESKO, MN 55733-5500

Mortgage

Document Number	0000526302,
Date	Apr 14, 2026
Instrument	2026526302

Lender

Name	HARBORONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 25, 2041

Interest

Rate	5.5%
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	197 PRAIRIE LN, ESKO, MN 55733-5500
Transaction Type	Mortgage
Record Updated	Aug 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000492990
Date	Jul 28, 2020
Instrument	A000492990

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

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	$5,704.00 (+9.4%) Homeowner's exemption
2025		$488,700 (+3.12%) Land $84,600 Building $404,100	$488,700 (+3.12%) Land $84,600 Building $404,100
2024	$5,214.00 Homeowner's exemption	$473,900 (+9.57%) Land $84,600 Building $389,300	$473,900 (+9.57%) Land $84,600 Building $389,300
2023	$5,214.00 Homeowner's exemption	$432,500 (-) Land $80,500 Building $352,000	$432,500 (-) Land $80,500 Building $352,000
2022		$432,500 Land $80,500 Building $352,000	$432,500 Land $80,500 Building $352,000

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	1 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber · Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Airfiber.

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