245 Ratika Rd, Esko, MN 55733 Property Records

Carlton County property record for 245 Ratika Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	4.8 acres (209,088 sqft)
Owner	Individual Name on File
Last Sale	$590,000 (Jun 2023)
Tax Bill	$6,380 (2026)
Deeds & Mortgages	Jul 2023 Foreclosure Mar 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-5715`

Property Details

APN / Parcel Number

Primary APN	`78-020-5715`
Alternative APN	`26467`

Exterior

Lot Area	209,088 sqft (4.8 acres)

Location & Zoning

Account Number	26467
Street Address	245 RATIKA RD
City	ESKO
State	MN
Zip	55733-9404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART OF SE1/4 OF 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	3031
Census Tract	70300

Owner

245 Ratika Rd is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	245 RATIKA RD, ESKO, MN 55733-9404
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 10, 2023	Trustee's Deed, Foreclosure · Conventional Mortgage BELL BANK
Mar 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Dec 10, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2023 · Amount on File
Deed Sale	Jun 16, 2023 · Amount on File
Prior Sale	Dec 10, 2019 · Amount on File
Deed Document Number	20231550412
Prior Transfer Date	Dec 4, 2019
Prior Transfer Doc	0000489500
Record Updated	Jun 8, 2026

July 2023: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 10, 2023
Property Address	245 RATIKA RD, ESKO, MN 55733-9404
Document Number	T000041873
Instrument Date	Jun 16, 2023
Instrument	T000041873
Transaction Type	Foreclosure
Record Updated	Aug 1, 2023
Title Company	THE TITLE TEAM

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	245 RATIKA RD, ESKO, MN 55733-9404

Mortgage

Document Number	T000041874
Date	Jul 10, 2023
Instrument	T000041874

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	245 RATIKA RD, ESKO, MN 55733-9404
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	T000041675
Date	Mar 1, 2023
Instrument	T000041675

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Apr 1, 2052

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Dec 10, 2019
Property Address	245 RATIKA RD, ESKO, MN 55733-9404
Document Number	A000489500
Instrument Date	Dec 4, 2019
Instrument	A000489500
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 RATIKA RD, ESKO, MN 55733-9404

Tax Assessment & Valuation

The 2026 property tax bill for 245 Ratika Rd was $6,380 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	$6,380.00 Homeowner's exemption
2025		$536,500 (+3.97%) Land $105,600 Building $430,900	$536,500 (+3.97%) Land $105,600 Building $430,900
2024	$5,712.00 Homeowner's exemption	$516,000 (+8.81%) Land $105,600 Building $410,400	$516,000 (+8.81%) Land $105,600 Building $410,400
2023	$5,712.00 Homeowner's exemption	$474,200 (-) Land $99,700 Building $374,500	$474,200 (-) Land $99,700 Building $374,500
2022		$474,200 Land $99,700 Building $374,500	$474,200 Land $99,700 Building $374,500

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

Flood

FEMA maps place 245 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 245 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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