48 Torma Rd, Esko, MN 55733 Property Records

Carlton County property record for 48 Torma Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on Record
Tax Bill	$7,334 (2026)
Deeds & Mortgages	Mar 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`78-235-0040`

Property Details

APN / Parcel Number

Primary APN	`78-235-0040`
Alternative APN	`37562`

Location & Zoning

Account Number	37562
Street Address	48 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	4
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	1
Census Block	1005
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	2 Individual Names on Record
Mailing Address	48 TORMA RD, ESKO, MN 55733-9606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	48 TORMA RD, ESKO, MN 55733-9606
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000497656
Date	Mar 11, 2021
Instrument	A000497656

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$7,334.00 (+13.39%) Homeowner's exemption
2025		$603,700 (+3.48%) Land $129,700 Building $474,000	$603,700 (+3.48%) Land $129,700 Building $474,000
2024	$6,468.00 Homeowner's exemption	$583,400 (+9.95%) Land $129,700 Building $453,700	$583,400 (+9.95%) Land $129,700 Building $453,700
2023	$6,468.00 Homeowner's exemption	$530,600 (-) Land $121,200 Building $409,400	$530,600 (-) Land $121,200 Building $409,400
2022		$530,600 Land $121,200 Building $409,400	$530,600 Land $121,200 Building $409,400

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 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.

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 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