$452,000
SOLD DEC 1, 2025

40 Torma Rd Esko, MN 55733

3 Beds
2 Baths
1,440 Sq Ft
148,104 Sq Ft Lot

Recently Sold

$314 Per Sq Ft

4% Above List Price

2 Days on Market

Highlights

  • Heated Floors
  • Vaulted Ceiling
  • No HOA
  • Winterquist Elementary School Rated A-
  • Ranch Style House
  • 2 Car Attached Garage

About This Home

As of December 2025

Where Modern Comfort Meets Peaceful Country Living, a beautiful new home that blends modern style with the calm of a private, country setting. Nestled back from the road among birch and pine trees, this home was designed with privacy, comfort, and everyday living in mind. Step inside and you’ll notice right away how bright and welcoming it feels. The open floor plan and large windows fill the space with natural light, while the vaulted ceilings and in-floor heat create a cozy and comfortable atmosphere. In the living room, you’ll find a charming Svea Norse Marso wood stove — small in size but mighty when it comes to warmth. It adds just the right touch of Scandinavian character to the space. The kitchen is made for both cooking and gathering. It features high-end appliances, soft-close cabinets, open shelving, and a stylish subway tile backsplash. The large island has deep double sinks and plenty of room for seating, making it the perfect spot for family meals or morning coffee. Just off the kitchen, the dining area overlooks the backyard and patio — ideal for relaxing or entertaining. Down the hall are two bright bedrooms with lots of closet space, plus a primary suite with a private bath featuring a double-sink vanity and a step-in shower. A beautiful full bath serves the other bedrooms. This home also includes handicap-accessible features, city gas and sewer, and a heated two-car garage with easy access to the laundry and storage area. Blacktopped driveway. There’s plenty of space outside, too! Located just minutes from Esko schools, Duluth, and Jay Cooke State Park & the Munger Trail. Electric: $65/mo average Sewer: $50/mo average

Last Agent to Sell the Property

Jamie Sathers-Day

JS Realty Listed on: 10/27/2025

Last Buyer's Agent

Jodi Olson

Century 21 Atwood

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,109

Year Built

  • Built in 2020

Lot Details

  • 3.4 Acre Lot
  • Lot Dimensions are 165x900
  • Property fronts a county road
  • Elevated Lot
  • Level Lot
  • Unpaved Streets

Home Design

  • Ranch Style House
  • Slab Foundation
  • Fire Rated Drywall
  • Wood Frame Construction
  • Asphalt Shingled Roof
  • Vinyl Siding

Interior Spaces

  • 1,440 Sq Ft Home
  • Vaulted Ceiling
  • Ceiling Fan
  • Wood Burning Fireplace
  • Vinyl Clad Windows
  • Living Room
  • Combination Kitchen and Dining Room
  • Heated Floors
  • Property Views

Kitchen

  • Eat-In Kitchen
  • Range
  • Microwave
  • Dishwasher
  • Kitchen Island

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Bathroom on Main Level

Laundry

  • Laundry Room
  • Laundry on main level
  • Dryer
  • Washer

Parking

  • 2 Car Attached Garage
  • Heated Garage
  • Insulated Garage
  • Garage Door Opener
  • Driveway

Utilities

  • Boiler Heating System
  • Heating System Uses Natural Gas
  • Drilled Well
  • High Speed Internet

Additional Features

  • Air Exchanger
  • Patio

Community Details

  • No Home Owners Association

Listing and Financial Details

  • Assessor Parcel Number 78-020-6540

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,109

Year Built

Built in 2020

Lot Details

3.4 Acres

Listing Details

  • Class: SINGLE FAMILY
  • Directions: I35 S to Hwy 61 to Torma Rd
  • InternetOptions: DSL
  • L O1 Office Phone1 Number: 218-729-9784
  • PropAdjoinsPublicLand: No
  • Remodeled Addition: No
  • Road Maintenance: Public
  • Property Sub-Type: SF/Detached
  • Tax Year: 2025
  • View Type:Pond View: Typical
  • Lot Description Waterfront: No
  • Reso Association Amenities: Ceiling Fans, Eat-In Kitchen, Garage Door Opener, Kitchen Center Island, Vaulted Ceilings, Drywalls, Patio Door, Main Floor Laundry, Dryer Hook-Ups, Washer Hook-Ups
  • Amenities Exterior: Patio
  • Mfg And Park Info Construction Type: Frame/Wood
  • FinFootageAboveGrade: 1440
  • Garage Type: Attached
  • Heat: Boiler, In Floor, Natural Gas
  • Fireplaces: 1
  • MainFloorBath: Yes
  • Reso Roof: Asphalt Shingles
  • Bedroom 3: Dining Room
  • TotalBedrooms: 3
  • Year Built: 2020
  • Level 1 Bedroom: Main
  • RoomLevel3: Main
  • RoomLevel4: Main
  • RoomLevel5: Main
  • RoomLevel6: Main
  • RoomLevel7: Main
  • Property Style: Ranch/Rambler
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Total Three Quarter Bathrooms: 1
  • Appliances: Dishwasher, Dryer, Microwave, Range/Stove, Refrigerator, Washer
  • Basement Features: N/A
  • Basement Material: N/A
  • Basement Style: Slab
  • Bathroom Description: 3/4 Master, Full Main Floor
  • Formal Dining: Combine with Kitchen, Eat-In Kitchen
  • Fireplace: Yes
  • Den Fireplace Type: Wood Burning
  • Bedroom Features:Main Floor Bedroom: Yes
  • Bathroom 1: Living Room
  • Bathroom 2: Kitchen
  • Main Residence Features:Family Room4: Primary Bedroom
  • Bedroom 5: Bedroom
  • Stories: 1 Story
  • Room 6: Bedroom
  • Room 7: Laundry Room
  • Total Bathrooms: 2
  • Total Fin Square Footage: 1440
  • Exercise Room Level2: Main

Exterior Features

  • Road Frontage: County, Unpaved
  • Construction Status: Previously Owned
  • Exterior: Vinyl
  • Window Features:Insulated Windows: Vinyl Frame

Garage/Parking

  • Parking Driveway: Driveway - Asphalt
  • Garage Features: Electrical Service, Heat, Insulation, Slab
  • Garage Capacity: 2

Utilities

  • Power Company: Minnesota Power
  • Sewer: City
  • Water: Drilled

Condo/Co-op/Association

  • Association Fee: No

Schools

  • Junior High Dist: Esko #99

Lot Info

  • Estimated Lot Dimensions: 165x900
  • Estimated Number of Acres: 3.4
  • Cultivated Acreage: LSAR
  • Geo Subdivision: MN
  • Lot Description: High, Level
  • Parcel Number: 78-020-6540

Rental Info

  • Lease Terms: Cash, Conventional, FHA, VA DVA

Tax Info

  • Tax Amount: 5109

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Oct 27, 2025
Closed on
Dec 1, 2025
Sold by
Matson Mark
Bought by
Urie Michael
Seller's Agent
Jamie Sathers-Day
JS Realty
Buyer's Agent
Jodi Olson
Century 21 Atwood
List Price
$435,000
Sold Price
$452,000
Premium/Discount to List
$17,000
3.91%
Views
689
Current Estimated Value
$445,488

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$6,512
Avg. Annual Appreciation
-4.57%
Original Mortgage
$271,200
Outstanding Balance
$271,200
Interest Rate
6.19%
Mortgage Type
New Conventional
Estimated Equity
$174,288

Purchase Details

Listed on
Oct 22, 2020
Closed on
Jan 21, 2021
Sold by
1 Llc
Bought by
Matson Mark
Seller's Agent
Kimberly Powell
Messina & Associates Real Estate
Buyer's Agent
Mary Townsend
Coldwell Banker Realty - Duluth
List Price
$356,000
Sold Price
$356,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.04%
Original Mortgage
$338,200
Interest Rate
2.6%
Mortgage Type
New Conventional
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Purchase History

Date Type Sale Price Title Company
Warranty Deed $452,000 Title Team
Warranty Deed $356,000 Misc Company
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $271,200 New Conventional
Previous Owner $338,200 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
12/01/2025 12/01/25 Sold $452,000 +3.9% $314 / Sq Ft
10/29/2025 10/29/25 Pending -- -- --
10/27/2025 10/27/25 For Sale $435,000 +22.2% $302 / Sq Ft
01/21/2021 01/21/21 Sold $356,000 0.0% $247 / Sq Ft View Prior Sale
11/19/2020 11/19/20 Pending -- -- --
10/22/2020 10/22/20 For Sale $356,000 -- $247 / Sq Ft
Source: Lake Superior Area REALTORS®

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $5,156 $450,000 $120,900 $329,100
2023 $4,946 $410,300 $113,300 $297,000
2022 $4,548 $410,300 $113,300 $297,000
2021 $1,926 $324,200 $90,200 $234,000
2020 $1,926 $132,400 $52,400 $80,000
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Lake Superior Area REALTORS®

MLS Number: 6122674

APN: 78-235-0010

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