40 Torma Rd, Esko, MN 55733 Property Records

Carlton County property record for 40 Torma Rd, Esko, MN 55733 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$452,000 (Dec 2025)
Tax Bill	$5,406 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78-235-0010`

Property Details

APN / Parcel Number

Primary APN	`78-235-0010`
Alternative APN	`37559`

Location & Zoning

Account Number	37559
Street Address	40 TORMA RD
City	ESKO
State	MN
Zip	55733-9606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINN RIDGE
Legal Range	16
Legal Township	49
Legal Section	26
Legal Subdivision	FINN RIDGE
Legal Block	1
Legal Lot Number	1
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	1
Census Block	1005
Census Tract	70300

Owner

Source: Carlton County records · APN 78-235-0010

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	40 TORMA RD, ESKO, MN 55733-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 08, 2025	Warranty Deed, Transfer · Conventional Mortgage CENTRICITY CU
Feb 02, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 08, 2025 · Amount on Record
Deed Sale	Dec 08, 2025 · Amount on Record
Prior Sale	Feb 02, 2021 · Amount on Record
Deed Document Number	2025524529
Record Updated	Jun 08, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Dec 08, 2025
Property Address	40 TORMA RD, ESKO, MN 55733-9606
Document Number	A000524529
Instrument Date	Dec 01, 2025
Instrument	A000524529
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

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	40 TORMA RD, ESKO, MN 55733-9606

Mortgage

Document Number	A000524530
Date	Dec 08, 2025
Instrument	A000524530

Lender

Name	CENTRICITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Feb 02, 2021
Property Address	40 TORMA RD, ESKO, MN 55733-9606
Document Number	A000496925
Instrument Date	Jan 21, 2021
Instrument	A000496925
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	40 TORMA RD, ESKO, MN 55733-9606
Investor	Possibly a Property Investor

Mortgage

Document Number	A000496926
Date	Feb 02, 2021
Instrument	A000496926

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Carlton County records · Assessment roll updated April 24, 2026 · Last verified May 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	$5,406.00 (+9.3%) Homeowner's exemption
2025		$464,900 (+3.31%) Land $120,900 Building $344,000	$464,900 (+3.31%) Land $120,900 Building $344,000
2024	$4,946.00 Homeowner's exemption	$450,000 (+9.68%) Land $120,900 Building $329,100	$450,000 (+9.68%) Land $120,900 Building $329,100
2023	$4,946.00 Homeowner's exemption	$410,300 (-) Land $113,300 Building $297,000	$410,300 (-) Land $113,300 Building $297,000
2022		$410,300 Land $113,300 Building $297,000	$410,300 Land $113,300 Building $297,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Carlton County (27017C), updated March 13, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270170703001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015, other causes

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Fiber	2,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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