Carlton County property record for 46 Torma Rd, Esko, MN 55733
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on Record |
| Last Sale | $452,000 (Feb 2024) |
| Tax Bill | $6,548 (2026) |
| Deeds & Mortgages | Feb 2024 Sale Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78-235-0030 |
| Primary APN | 78-235-0030 |
|---|---|
| Alternative APN |
|
| Account Number | 37561 |
|---|---|
| Street Address | 46 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 | 3 |
| Jurisdiction | CARLTON MN |
| Township / Civil Division | THOMSON |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 70300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 46 TORMA RD, ESKO, MN 55733-9606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2024 | Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM |
| Jan 26, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2024 · Amount on Record |
| Deed Sale | Feb 12, 2024 · Amount on Record |
| Prior Sale | Jan 26, 2021 · Amount on Record |
| Deed Document Number | 20241622720 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Feb 14, 2024 |
| Property Address | 46 TORMA RD, ESKO, MN 55733-9606 |
| Document Number | A000515613 |
| Instrument Date | Feb 12, 2024 |
| Instrument | A000515613 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 46 TORMA RD, ESKO, MN 55733-9606 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Jan 26, 2021 |
| Property Address | 46 TORMA RD, ESKO, MN 55733-9606 |
| Document Number | A000496813 |
| Instrument Date | Jan 25, 2021 |
| Instrument | A000496813 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 46 TORMA RD, ESKO, MN 55733-9606 |
| Investor | Possibly a Property Investor |
| Document Number | A000496814 |
|---|---|
| Date | Jan 26, 2021 |
| Instrument | A000496814 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Carlton County assessment roll, as of April 24, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Carlton County |
| County Subdivision | Thomson Township |
| Unified School District | Esko Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,548.00 (+13.6%) Homeowner's exemption | ||
| 2025 | $548,300 (+4.3%) Land $121,200 Building $427,100 | $548,300 (+4.3%) Land $121,200 Building $427,100 | |
| 2024 | $5,764.00 Homeowner's exemption | $525,700 (+9.86%) Land $121,200 Building $404,500 | $525,700 (+9.86%) Land $121,200 Building $404,500 |
| 2023 | $5,764.00 Homeowner's exemption | $478,500 (-) Land $113,500 Building $365,000 | $478,500 (-) Land $113,500 Building $365,000 |
| 2022 | $478,500 Land $113,500 Building $365,000 | $478,500 Land $113,500 Building $365,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 1 (2015) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2015 · other causes |
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.
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.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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