38 Alder Ln, Esko, MN 55733 Property Records

Carlton County property record for 38 Alder Ln, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	1.09 acres (47,597 sqft)
Owner	Trust Name on File
Tax Bill	$11,836 (2026)
Deeds & Mortgages	Feb 2021 Refinance Jun 2009 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`78-425-0400`

Property Details

APN / Parcel Number

Primary APN	`78-425-0400`
Alternative APN	`28158`

Exterior

Lot Area	47,597 sqft (1.09 acres)

Location & Zoning

Account Number	28158
Street Address	38 ALDER LN
City	ESKO
State	MN
Zip	55733-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODCREST 2ND ADDITION
Legal Subdivision	WOODCREST 2ND ADDITION
Legal Block	3
Legal Lot Number	2
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2025
Census Tract	70300

Owner

38 Alder Ln is owner-occupied and held in a trust.

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

Owner of Record	Trust Name on File
Mailing Address	38 ALDER LN, ESKO, MN 55733-9600
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Jun 11, 2009	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Mar 9, 2012	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Oct 8, 2009	Deed of Trust, Mortgage · Line of Credit USAA FSB
Jan 24, 2005	Deed of Trust, Mortgage · Line of Credit USAA FSB
Jul 1, 2013	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 5, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	38 ALDER LN, ESKO, MN 55733-9600
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000497012
Date	Feb 5, 2021
Instrument	A000497012

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	38 ALDER LN, ESKO, MN 55733-9600
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	CARLTON COMPANY ABSTRACT, CARLTON CO ABSTRACT-TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000424733
Date	Jun 11, 2009
Instrument	A000424733

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2039

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	38 ALDER LN, ESKO, MN 55733-9600
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	CARLTON COMPANY ABSTRACT, CARLTON CO ABSTRACT-TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000442374
Date	Mar 9, 2012
Instrument	A000442374

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2042

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	38 ALDER LN, ESKO, MN 55733-9600
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	FISERV LENDING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000427223
Date	Oct 8, 2009
Instrument	A000427223

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2024

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	38 ALDER LN, ESKO, MN 55733-9600
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000389249
Date	Jan 24, 2005
Instrument	A000389249

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	234 Months
Due	Jul 8, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	38 ALDER LN, ESKO, MN 55733-9600
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000451309
Date	Jul 1, 2013
Instrument	A000451309

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2043

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Feb 5, 2024
Property Address	38 ALDER LN, ESKO, MN 55733-9600
Document Number	A000515506
Instrument Date	Dec 18, 2023
Instrument	A000515506
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 ALDER LN, ESKO, MN 55733-9600

Tax Assessment & Valuation

The 2026 property tax bill for 38 Alder Ln was $11,836 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	$11,836.00 Homeowner's exemption
2025		$921,100 (+3.08%) Land $76,000 Building $845,100	$921,100 (+3.08%) Land $76,000 Building $845,100
2024	$10,706.00 Homeowner's exemption	$893,600 (+8.78%) Land $76,000 Building $817,600	$893,600 (+8.78%) Land $76,000 Building $817,600
2023	$10,706.00 Homeowner's exemption	$821,500 (-) Land $72,900 Building $748,600	$821,500 (-) Land $72,900 Building $748,600
2022		$821,500 Land $72,900 Building $748,600	$821,500 Land $72,900 Building $748,600

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

Flood

FEMA maps place 38 Alder Ln in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1985.

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

Wildfire risk around 38 Alder Ln is low, with less than 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Airfiber.

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