225 Ratika Rd, Esko, MN 55733 Property Records

Carlton County property record for 225 Ratika Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on File
Last Sale	$78,021 (Dec 2014)
Tax Bill	$2,788 (2026)
Deeds & Mortgages	May 2026 Mortgage Mar 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-5682`

Property Details

APN / Parcel Number

Primary APN	`78-020-5682`
Alternative APN	`26459`

Exterior

Lot Area	37,026 sqft (0.85 acres)

Location & Zoning

Account Number	26459
Street Address	225 RATIKA RD
City	ESKO
State	MN
Zip	55733-9403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SW1/4 OF NW 1/4 DESC AS FOL COMM SW COR TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	24
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	3
Census Block	3030
Census Tract	70300

Owner

225 Ratika Rd is owned and occupied by an individual who acquired it in December 2017.

Source: Carlton County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	225 RATIKA RD, ESKO, MN 55733-9403
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
May 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage SHARE ADVANTAGE CREDIT UNION
Mar 15, 2022	Deed, Transfer · Stand-Alone Refinance SHARE ADVANTAGE CREDIT UNION
Feb 2, 2018	Quit Claim Deed, Transfer SHARE ADVANTAGE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2014 · Amount on File
Deed Sale	Dec 23, 2014 · Amount on File
Deed Document Number	201436200
Last Transfer Date	Dec 18, 2017
Transfer Doc	0000038307
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	May 12, 2026
Property Address	225 RATIKA RD, ESKO, MN 55733-9403
Document Number	0000043388
Instrument Date	Apr 20, 2026
Instrument	202643388
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 RATIKA RD, ESKO, MN 55733-9403

Mortgage

Document Number	0000043388,
Date	May 12, 2026
Instrument	202643388

Lender

Name	SHARE ADVANTAGE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.22%
Max Rate	-1%

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARLTON MN
Recording Date	Mar 15, 2022
Property Address	225 RATIKA RD, ESKO, MN 55733-9403
Document Number	T000041051
Instrument Date	Feb 22, 2022
Instrument	T000041051
Transaction Type	Transfer
Record Updated	Nov 15, 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

Mortgage

Document Number	T000041053
Date	Mar 15, 2022
Instrument	T000041053

Lender

Name	SHARE ADVANTAGE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Feb 2, 2018
Property Address	225 RATIKA RD, ESKO, MN 55733-9403
Document Number	000000038307
Instrument Date	Dec 18, 2017
Instrument	000000038307
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 RALTIKA RD, ESKO, MN 55733-9403

Mortgage

Document Number	000000038308
Date	Feb 2, 2018
Instrument	000000038308

Lender

Name	SHARE ADVANTAGE CU

Agreement

Amount	Amount on Record
Term	179 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 225 Ratika Rd was $2,788 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	$2,788.00 Homeowner's exemption
2025		$254,100 (+3.5%) Land $50,800 Building $203,300	$254,100 (+3.5%) Land $50,800 Building $203,300
2024	$2,598.00 Homeowner's exemption	$245,500 (+8.39%) Land $50,800 Building $194,700	$245,500 (+8.39%) Land $50,800 Building $194,700
2023	$2,598.00 Homeowner's exemption	$226,500 (-) Land $49,500 Building $177,000	$226,500 (-) Land $49,500 Building $177,000
2022		$226,500 Land $49,500 Building $177,000	$226,500 Land $49,500 Building $177,000

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

Flood

FEMA maps place 225 Ratika Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

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

Wildfire risk around 225 Ratika 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber · Cable	2,000 / 1,000

May also be available: Airfiber.

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