227 Jay Cooke Rd, Esko, MN 55733 Property Records

Carlton County property record for 227 Jay Cooke Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	7.94 acres (345,866 sqft)
Owner	2 Individual Names on File
Last Sale	$254,000 (Jan 2017)
Tax Bill	$4,496 (2026)
Deeds & Mortgages	Jul 2023 Mortgage May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-010-0644`

Property Details

APN / Parcel Number

Primary APN	`78-010-0644`
Alternative APN	`25092`

Exterior

Lot Area	345,866 sqft (7.94 acres)

Location & Zoning

Account Number	25092
Street Address	227 JAY COOKE RD
City	ESKO
State	MN
Zip	55733-9727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF NE1/4 OF NW1/4 COM SE COR TH N ON E L TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	48
Legal Section	03
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	1
Census Block	1026
Census Tract	70300

Owner

227 Jay Cooke Rd is owned and occupied by two individuals who bought it in January 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	227 JAY COOKE RD, ESKO, MN 55733-9727
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
Jul 11, 2023	Deed of Trust, Mortgage PROCTOR FEDERAL CREDIT UNION
May 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PROCTOR FEDERAL CREDIT UNION
Jan 9, 2017	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BANK OF COMMERCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2017 · Amount on File
Deed Sale	Jan 9, 2017 · Amount on File
Deed Document Number	2017472416
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	227 JAY COOKE RD, ESKO, MN 55733-9727
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000512369
Date	Jul 11, 2023
Instrument	A000512369

Lender

Name	PROCTOR FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	227 JAY COOKE RD, ESKO, MN 55733-9727
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000499353
Date	May 27, 2021
Instrument	A000499353

Lender

Name	PROCTOR FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2036

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jan 9, 2017
Property Address	227 JAY COOKE RD, ESKO, MN 55733-9727
Document Number	A000472416
Instrument Date	Jan 2, 2017
Instrument	A000472416
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	$838.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	227 JAY COOKE RD, ESKO, MN 55733-9727
Investor	Possibly a Property Investor

Mortgage

Document Number	A000472417
Date	Jan 9, 2017
Instrument	A000472417

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 227 Jay Cooke Rd was $4,496 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	$4,496.00 Homeowner's exemption
2025		$412,900 (+3.46%) Land $130,700 Building $282,200	$412,900 (+3.46%) Land $130,700 Building $282,200
2024	$4,262.00 Homeowner's exemption	$399,100 (+8.33%) Land $130,700 Building $268,400	$399,100 (+8.33%) Land $130,700 Building $268,400
2023	$4,262.00 Homeowner's exemption	$368,400 (-) Land $122,700 Building $245,700	$368,400 (-) Land $122,700 Building $245,700
2022		$368,400 Land $122,700 Building $245,700	$368,400 Land $122,700 Building $245,700

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

Flood

FEMA maps place 227 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

Wildfire risk around 227 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

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

May also be available: Airfiber.

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