54 Bruce Cir, Esko, MN 55733 Property Records

Carlton County property record for 54 Bruce Cir, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Details	1,152 sqft · built 1977
Lot Size	0.505 acres (22,035 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jul 2014)
Tax Bill	$3,518 (2026)
Deeds & Mortgages	Sep 2020 Refinance Mar 2011 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78-410-0600`

Property Details

APN / Parcel Number

Primary APN	`78-410-0600`
Alternative APN	`28123`

Interior

Building Area	1,152 sqft Living Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Lot Area	22,035 sqft (0.505 acres)

Location & Zoning

Account Number	28123
Street Address	54 BRUCE CIR
City	ESKO
State	MN
Zip	55733-9707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILMART DIVISION
Legal Subdivision	WILMART DIVISION
Legal Lot Number	30
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2027
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	Individual Name on Record
Mailing Address	54 BRUCE CIR, ESKO, MN 55733-9707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Mar 22, 2011	Deed of Trust, Mortgage · Conventional Mortgage WESTERN NATIONAL BANK
Jul 17, 2014	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2014 · Amount on Record
Deed Sale	Jul 17, 2014 · Amount on Record
Deed Document Number	2014457283
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	54 BRUCE CIR, ESKO, MN 55733-9707
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000493812
Date	Sep 8, 2020
Instrument	A000493812

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	54 BRUCE CIR, ESKO, MN 55733-9707
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	LAKEVIEW TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000436597
Date	Mar 22, 2011
Instrument	A000436597

Lender

Name	WESTERN NATIONAL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2041

July 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 17, 2014
Property Address	54 BRUCE CIR, ESKO, MN 55733-9707
Document Number	A000457283
Instrument Date	Jul 10, 2014
Instrument	A000457283
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	CARLTON COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	54 BRUCE CIR, ESKO, MN 55733-9707

Mortgage

Document Number	A000457284
Date	Jul 17, 2014
Instrument	A000457284

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2044

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	$3,518.00 (+7.72%) Homeowner's exemption
2025		$314,400 (+3.76%) Land $64,800 Building $249,600	$314,400 (+3.76%) Land $64,800 Building $249,600
2024	$3,266.00 Homeowner's exemption	$303,000 (+8.18%) Land $64,800 Building $238,200	$303,000 (+8.18%) Land $64,800 Building $238,200
2023	$3,266.00 Homeowner's exemption	$280,100 (-) Land $62,800 Building $217,300	$280,100 (-) Land $62,800 Building $217,300
2022		$280,100 Land $62,800 Building $217,300	$280,100 Land $62,800 Building $217,300

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 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

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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber · Cable	2,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: Verizon.

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