Carlton County property record for 3 Cedar Ln, Esko, MN 55733 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.266 acres (11,597 sqft) |
| Owner | Individual Name on File |
| Last Sale | $288,296 (Nov 2025) |
| Tax Bill | $1,820 (2026) |
| Deeds & Mortgages | Sep 2024 Mortgage Feb 2016 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78-080-0160 |
| Primary APN | 78-080-0160 |
|---|---|
| Alternative APN |
|
| Lot Area | 11,597 sqft (0.266 acres) |
|---|
| Account Number | 27353 |
|---|---|
| Street Address | 3 CEDAR LN |
| City | ESKO |
| State | MN |
| Zip | 55733-2301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DOCKET 273867 COUNTY AUDITORS SUBDIVISION #3 |
| Legal Subdivision | COUNTY AUDITORS SUBDIVISION #3 |
| Legal Lot Number | 8 |
| Jurisdiction | CARLTON MN |
| Township / Civil Division | THOMSON |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 70300 |
Source: Carlton County records · APN 78-080-0160
Assessment roll updated April 24, 2026 · Last verified May 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 | 3 CEDAR LN, ESKO, MN 55733-2301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 06, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Feb 22, 2016 | Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU |
| Nov 04, 2025 | Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE LLC |
| Sep 12, 2017 | Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 04, 2025 · Amount on Record |
| Deed Sale | Nov 04, 2025 · Amount on Record |
| Prior Sale | Sep 12, 2017 · Amount on Record |
| Deed Document Number | 2025524049 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Property Address | 3 CEDAR LN, ESKO, MN 55733-2301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000518144 |
|---|---|
| Date | Sep 06, 2024 |
| Instrument | A000518144 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 04, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Property Address | 3 CEDAR LN, ESKO, MN 55733-2301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000467059 |
|---|---|
| Date | Feb 22, 2016 |
| Instrument | A000467059 |
| Name | MEMBERS COOPERATIVE CU |
|---|---|
| Type | Credit Union |
| Address | CLOQUET, MN 55720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 12, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Nov 04, 2025 |
| Property Address | 3 CEDAR LN, ESKO, MN 55733-2301 |
| Document Number | A000524049 |
| Instrument Date | Oct 31, 2025 |
| Instrument | A000524049 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | NORTHEAST TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 CEDAR LN, ESKO, MN 55733-2301 |
| Document Number | A000524050 |
|---|---|
| Date | Nov 04, 2025 |
| Instrument | A000524050 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Sep 12, 2017 |
| Property Address | 3 CEDAR LN, ESKO, MN 55733-2301 |
| Document Number | A000476172 |
| Instrument Date | Jul 27, 2017 |
| Instrument | A000476172 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | NORTH SHORE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $382.77 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3 CEDAR LN, ESKO, MN 55733-2301 |
| Document Number | A000476173 |
|---|---|
| Date | Sep 12, 2017 |
| Instrument | A000476173 |
| Name | NATIONAL BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 01, 2047 |
Source: Carlton County records · Assessment roll updated April 24, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Carlton County |
| County Subdivision | Thomson Township |
| Unified School District | Esko Public School District (PK - 12) |
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 | $1,820.00 (+7.82%) Homeowner's exemption | ||
| 2025 | $178,800 (+3.83%) Land $20,200 Building $158,600 | $178,800 (+3.83%) Land $20,200 Building $158,600 | |
| 2024 | $1,688.00 Homeowner's exemption | $172,200 (+9.26%) Land $20,200 Building $152,000 | $172,200 (+9.26%) Land $20,200 Building $152,000 |
| 2023 | $1,688.00 Homeowner's exemption | $157,600 (-) Land $20,200 Building $137,400 | $157,600 (-) Land $20,200 Building $137,400 |
| 2022 | $157,600 Land $20,200 Building $137,400 | $157,600 Land $20,200 Building $137,400 |
Source: FEMA National Flood Hazard Layer, Carlton County (27017C), updated March 13, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270170703002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 6 individual NFIP policies nearby |
| Nearby Flood Policies | 6 in force 6 of 6 on primary residences |
| Nearby Flood Claims | 6 (1985–2012) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | Jun 2012, river or lake flooding, Severe Storms And Flooding |
| Flood Events |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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