65 Jay Cooke Rd, Esko, MN 55733 Property Records

Carlton County property record for 65 Jay Cooke Rd, Esko, MN 55733

Property Summary

Property Type	Single Family Home
Lot Size	4.97 acres (216,493 sqft)
Owner	Individual Name on Record
Last Sale	$555,000 (May 2021)
Tax Bill	$7,922 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-6985`

Property Details

APN / Parcel Number

Primary APN	`78-020-6985`
Alternative APN	`37085`

Exterior

Lot Area	216,493 sqft (4.97 acres)

Location & Zoning

Account Number	37085
Street Address	65 JAY COOKE RD
City	ESKO
State	MN
Zip	55733-9604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N1/2 OF NW1/4 OF NE1/4 OF SE1/4 TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	27
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	1
Census Block	1006
Census Tract	70300

Owner

Source: Carlton County records, as of June 29, 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	65 JAY COOKE RD, ESKO, MN 55733-9604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Jul 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONAL BANK OF COMMERCE
Oct 18, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK
May 5, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Jul 10, 2017	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2021 · Amount on Record
Deed Sale	May 5, 2021 · Amount on Record
Prior Sale	Jul 10, 2017 · Amount on Record
Deed Document Number	2021498873
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	Jun 18, 2026
Property Address	65 JAY COOKE RD, ESKO, MN 55733-9604
Document Number	0000527361
Instrument Date	Jun 8, 2026
Instrument	2026527361
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 JAY COOKE RD, ESKO, MN 55733-9604

Mortgage

Document Number	0000527361,
Date	Jun 18, 2026
Instrument	2026527361

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 8, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	65 JAY COOKE RD, ESKO, MN 55733-9604
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000492899
Date	Jul 22, 2020
Instrument	A000492899

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 18, 2023
Property Address	65 JAY COOKE RD, ESKO, MN 55733-9604
Document Number	A000513995
Instrument Date	Oct 12, 2023
Instrument	A000513995
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	65 JAY COOKE RD, ESKO, MN 55733-9604

Mortgage

Document Number	A000513998
Date	Oct 18, 2023
Instrument	A000513998

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	0.06%
Index	1-Year CMT

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	May 5, 2021
Property Address	65 JAY COOKE RD, ESKO, MN 55733-9604
Document Number	A000498873
Instrument Date	Apr 28, 2021
Instrument	A000498873
Transaction Type	Transfer
Record Updated	Jun 1, 2021
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	65 JAY COOKE RD, ESKO, MN 55733-9604

Mortgage

Document Number	A000498874
Date	May 5, 2021
Instrument	A000498874

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 10, 2017
Property Address	65 JAY COOKE RD, ESKO, MN 55733-9604
Document Number	A000474954
Instrument Date	Jun 28, 2017
Instrument	A000474954
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,534.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	65 JAY COOKE RD, ESKO, MN 55733-9604

Mortgage

Document Number	A000474955
Date	Jul 10, 2017
Instrument	A000474955

Lender

Name	REPUBLIC BANK INC
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Sep 1, 2022

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	$7,922.00 (+17.36%) Homeowner's exemption
2025		$645,200 (+4.52%) Land $105,100 Building $540,100	$645,200 (+4.52%) Land $105,100 Building $540,100
2024	$6,750.00 Homeowner's exemption	$617,300 (+12.24%) Land $105,100 Building $512,200	$617,300 (+12.24%) Land $105,100 Building $512,200
2023	$6,750.00 Homeowner's exemption	$550,000 (-) Land $99,200 Building $450,800	$550,000 (-) Land $99,200 Building $450,800
2022		$550,000 Land $99,200 Building $450,800	$550,000 Land $99,200 Building $450,800

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber · Cable in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Airfiber.

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