203 Koski Rd, Esko, MN 55733 Property Records

Carlton County property record for 203 Koski Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Details	1,608 sqft · built 1982
Lot Size	13 acres (566,280 sqft)
Owner	Individual Name on File
Last Sale	$267,952 (Jun 2017)
Tax Bill	$4,064 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-1280`

Property Details

APN / Parcel Number

Primary APN	`78-020-1280`
Alternative APN	`25495`

Interior

Building Area	1,608 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Lot Area	566,280 sqft (13 acres)

Location & Zoning

Account Number	25495
Street Address	203 KOSKI RD
City	ESKO
State	MN
Zip	55733-9425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE1/4 OF SE1/4 EX THE N 561 FT & EX W1/2 OF TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	07
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2016
Census Tract	70300

Owner

Source: Carlton County records · APN 78-020-1280

Assessment roll updated 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	Individual Name on File
Mailing Address	203 KOSKI RD, ESKO, MN 55733-9425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
May 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CREDIT UNION
Jun 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS COOPERATIVE CREDIT UNION
Jun 16, 2017	Warranty Deed, Transfer · VA Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 16, 2017 · Amount on Record
Deed Sale	Jun 16, 2017 · Amount on Record
Prior Sale	Jun 12, 2014 · Amount on Record
Deed Document Number	2017474631
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	Jul 16, 2026
Property Address	203 KOSKI RD, ESKO, MN 55733-9425
Document Number	0000527760
Instrument Date	Jul 09, 2026
Instrument	2026527760
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	203 KOSKI RD, ESKO, MN 55733-9425

Mortgage

Document Number	0000527760,
Date	Jul 16, 2026
Instrument	2026527760

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	203 KOSKI RD, ESKO, MN 55733-9425
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000511703
Date	May 25, 2023
Instrument	A000511703

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 22, 2038

Interest

Rate Type	Adjustable Rate
Rate	0.07%
Index	Prime Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	203 KOSKI RD, ESKO, MN 55733-9425
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000499653
Date	Jun 10, 2021
Instrument	A000499653

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	313 Months
Due	Jul 01, 2047

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	203 KOSKI RD, ESKO, MN 55733-9425
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000488741
Date	Oct 28, 2019
Instrument	A000488741

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Nov 01, 2029

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jun 16, 2017
Property Address	203 KOSKI RD, ESKO, MN 55733-9425
Document Number	A000474631
Instrument Date	Jun 05, 2017
Instrument	A000474631
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	NORTH SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$884.24
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	203 KOSKI RD, ESKO, MN 55733-9425

Mortgage

Document Number	A000474632
Date	Jun 16, 2017
Instrument	A000474632

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: Carlton County records · Assessment roll updated 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	$4,064.00 (+17.12%) Homeowner's exemption
2025		$495,300 (+3.66%) Land $144,800 Building $350,500	$495,300 (+3.66%) Land $144,800 Building $350,500
2024	$3,470.00 Homeowner's exemption	$477,800 (+9.41%) Land $144,800 Building $333,000	$477,800 (+9.41%) Land $144,800 Building $333,000
2023	$3,470.00 Homeowner's exemption	$436,700 (-) Land $135,700 Building $301,000	$436,700 (-) Land $135,700 Building $301,000
2022		$436,700 Land $135,700 Building $301,000	$436,700 Land $135,700 Building $301,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 13, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Fiber	2,000 / 1,000
AirFiber Fixed Wireless	100 / 20

Based on FCC filings for 12 locations within half a mile of this property.

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