2 Torma Rd, Esko, MN 55733 Property Records

Carlton County property record for 2 Torma Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$156,000 (Dec 2020)
Tax Bill	$3,990 (2026)
Deeds & Mortgages	Oct 2022 Refinance Dec 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-6472`

Property Details

APN / Parcel Number

Primary APN	`78-020-6472`
Alternative APN	`26610`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	26610
Street Address	2 TORMA RD
City	ESKO
State	MN
Zip	55733-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 208 FT OF W 208 TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	26
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	1
Census Block	1005
Census Tract	70300

Owner

2 Torma Rd is owned and occupied by an individual who bought it in December 2020.

Source: Carlton County records, as of April 24, 2026

Owner of Record	Individual Name on File
Mailing Address	2 TORMA RD, ESKO, MN 55733-9606
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FRANDSEN BANK & TRUST
Dec 18, 2020	Deed, Transfer
Dec 18, 2020	Personal Representative Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2020 · Amount on File
Deed Sale	Dec 18, 2020 · Amount on File
Deed Document Number	2020496020
Prior Transfer Date	Nov 24, 2020
Prior Transfer Doc	0000496015
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	2 TORMA RD, ESKO, MN 55733-9606
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000508958
Date	Oct 17, 2022
Instrument	A000508958

Lender

Name	FRANDSEN BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Nov 1, 2027

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARLTON MN
Recording Date	Dec 18, 2020
Property Address	2 TORMA RD, ESKO, MN 55733-9606
Document Number	A000496015
Instrument Date	Nov 24, 2020
Instrument	A000496015
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CARLTON MN
Recording Date	Dec 18, 2020
Property Address	2 TORMA RD, ESKO, MN 55733-9606
Document Number	A000496020
Instrument Date	Nov 11, 2020
Instrument	A000496020
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RORMA RD, ESKO, MN 55733

Mortgage

Document Number	A000496021
Date	Dec 18, 2020
Instrument	A000496021

Lender

Name	FRANDSEN BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2026
Index	3-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 2 Torma Rd was $3,990 with a homeowner's exemption.

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	$3,990.00 Homeowner's exemption
2025		$352,000 (+3.59%) Land $56,100 Building $295,900	$352,000 (+3.59%) Land $56,100 Building $295,900
2024	$2,984.00 Homeowner's exemption	$339,800 (+31.6%) Land $56,100 Building $283,700	$339,800 (+31.6%) Land $56,100 Building $283,700
2023	$2,984.00 Homeowner's exemption	$258,200 (-) Land $54,400 Building $203,800	$258,200 (-) Land $54,400 Building $203,800
2022		$258,200 Land $54,400 Building $203,800	$258,200 Land $54,400 Building $203,800

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

Flood

FEMA maps place 2 Torma 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

Wildfire risk around 2 Torma 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

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

May also be available: Airfiber.

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