27 Torma Rd, Esko, MN 55733 Property Records

Carlton County property record for 27 Torma Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	1.15 acres (50,182 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Oct 2017)
Tax Bill	$4,276 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`78-385-0140`

Property Details

APN / Parcel Number

Primary APN	`78-385-0140`
Alternative APN	`28089`

Exterior

Lot Area	50,182 sqft (1.15 acres)

Location & Zoning

Account Number	28089
Street Address	27 TORMA RD
City	ESKO
State	MN
Zip	55733-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TORMA ADDITION
Legal Subdivision	TORMA ADDITION
Legal Lot Number	7
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	1
Census Block	1005
Census Tract	70300

Owner

Source: Carlton County records · APN 78-385-0140

Assessment roll updated April 24, 2026 · Last verified August 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	27 TORMA RD, ESKO, MN 55733-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 07, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL FEDERAL CREDIT UNION
Jul 24, 2023	Deed of Trust, Mortgage TRUSTONE FINANCIAL CREDIT UNON
Mar 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
May 25, 2018	Deed of Trust, Mortgage TRUSTONE FINANCIAL FCU
Oct 27, 2017	Warranty Deed, Transfer NORTH SHORE TITLE, NORTH SHORE TITLE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Deed Document Number	2017477229
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	Aug 07, 2026
Property Address	27 TORMA RD, ESKO, MN 55733-9606
Document Number	0000528139
Instrument Date	Jul 30, 2026
Instrument	2026528139
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 TORMA RD, ESKO, MN 55733-9606

Mortgage

Document Number	0000528139,
Date	Aug 07, 2026
Instrument	2026528139

Lender

Name	TRUSTONE FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 18, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.74%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	27 TORMA RD, ESKO, MN 55733-9606
Transaction Type	Mortgage
Record Updated	Aug 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000512591
Date	Jul 24, 2023
Instrument	A000512591

Lender

Name	TRUSTONE FINANCIAL CREDIT UNON
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 26, 2043

Interest

Rate Type	Adjustable Rate
Rate	0.06%
Index	Other

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	27 TORMA RD, ESKO, MN 55733-9606
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000498009
Date	Mar 26, 2021
Instrument	A000498009

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	27 TORMA RD, ESKO, MN 55733-9606
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000480366
Date	May 25, 2018
Instrument	A000480366

Lender

Name	TRUSTONE FINANCIAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	176 Months
Due	Jan 01, 2033

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 27, 2017
Property Address	27 TORMA RD, ESKO, MN 55733-9606
Document Number	A000477229
Instrument Date	Oct 18, 2017
Instrument	A000477229
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	NORTH SHORE TITLE, NORTH SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$686.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 TORMA RD, ESKO, MN 55733-9606

Tax Assessment & Valuation

Source: Carlton County records · Assessment roll updated April 24, 2026 · Last verified August 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	$4,276.00 (+29.03%) Homeowner's exemption
2025		$374,800 (+21.73%) Land $80,200 Building $294,600	$374,800 (+21.73%) Land $80,200 Building $294,600
2024	$3,314.00 Homeowner's exemption	$307,900 (+8.49%) Land $80,200 Building $227,700	$307,900 (+8.49%) Land $80,200 Building $227,700
2023	$3,314.00 Homeowner's exemption	$283,800 (-) Land $76,700 Building $207,100	$283,800 (-) Land $76,700 Building $207,100
2022		$283,800 Land $76,700 Building $207,100	$283,800 Land $76,700 Building $207,100

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 Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · other causes

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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 · Cable in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AirFiber.

Based on FCC filings for 38 locations within half a mile of this property.

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