281 W Stark Rd, Esko, MN 55733 Property Records

Carlton County property record for 281 W Stark Rd, Esko, MN 55733

Property Summary

Property Type	Commercial
Lot Size	44.6 acres (1,944,954 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Aug 2021)
Tax Bill	$4,860 (2026)
Deeds & Mortgages	May 2021 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-1050`

Property Details

APN / Parcel Number

Primary APN	`78-020-1050`
Alternative APN	`25436`

Exterior

Lot Area	1,944,954 sqft (44.6 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	25436
Street Address	281 W STARK RD
City	ESKO
State	MN
Zip	55733
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SW1/4 OF SW1/4 OR LT 7 TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	06
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Legal Lot Number	7
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2004
Census Tract	70300

Owner

Source: Carlton County records, as of April 24, 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 Record
Mailing Address	130 W ANOKA ST, DULUTH, MN 55803-1915
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Line of Credit MINERS STATE BANK
Aug 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NATIONAL BANK OF COMMERCE
Aug 12, 2020	Warranty Deed, Transfer · Conventional Mortgage MINERS NATL BK EVELET

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on Record
Deed Sale	Aug 3, 2021 · Amount on Record
Prior Sale	Aug 12, 2020 · Amount on Record
Deed Document Number	2021500727
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	281 W STARK RD, ESKO, MN 55733
Transaction Type	Mortgage
Record Updated	Jun 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000499349
Date	May 27, 2021
Instrument	A000499349

Lender

Name	MINERS STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Aug 3, 2021
Property Address	281 W STARK RD, ESKO, MN 55733
Document Number	A000500727
Instrument Date	Jul 29, 2021
Instrument	A000500727
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 W ANOKA ST, DULUTH, MN 55803-1915
Investor	Possibly a Property Investor

Mortgage

Document Number	A000500728
Date	Aug 3, 2021
Instrument	A000500728

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Aug 12, 2020
Property Address	281 W STARK RD, ESKO, MN 55733
Document Number	A000493295
Instrument Date	Aug 11, 2020
Instrument	A000493295
Transaction Type	Transfer
Record Updated	Jun 8, 2023
Title Company	NORTHSHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	265 STARK RD, CLOQUET, MN 55720-9440

Mortgage

Document Number	A000493296
Date	Aug 12, 2020
Instrument	A000493296

Lender

Name	MINERS NATL BK EVELET

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	4.7%
Type Change Date	Aug 11, 2025
Index	LIBOR

Tax Assessment & Valuation

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	$4,860.00 (+12.71%)
2025		$284,600 (+2.82%) Land $149,900 Building $134,700	$284,600 (+2.82%) Land $149,900 Building $134,700
2024	$4,312.00	$276,800 (+7.96%) Land $149,900 Building $126,900	$276,800 (+7.96%) Land $149,900 Building $126,900
2023	$4,312.00	$256,400 (-) Land $139,100 Building $117,300	$256,400 (-) Land $139,100 Building $117,300
2022		$256,400 Land $139,100 Building $117,300	$256,400 Land $139,100 Building $117,300

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

Flood

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	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

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

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CTC Fiber	1,000 / 1,000
Airfiber Fixed Wireless	100 / 20

May also be available: Mediacom Xtream.

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