12820 Echo Ln, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 12820 Echo Ln, Apple Valley, MN 55124

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,235 sqft · built 1989
Lot Size	13 acres (590,209 sqft)
Owner	Individual Name on Record
Last Sale	$259,000 (Aug 2022)
Tax Bill	$2,744 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-34151-04-127`

Property Details

APN / Parcel Number

Primary APN	`01-34151-04-127`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,235 sqft Living Area
Gross Area	1,595 sqft
1st Floor Area	851 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1991
Architectural Style	Condo/Apartment
Construction Type	Wood
Lot Area	590,209 sqft (13 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	12820 ECHO LN
City	SAINT PAUL
State	MN
Zip	55124-8678
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HUNTINGTON 2ND ADDITION 3 2 HUNTERS RUN VILLAS CONDO FILE #98 UNIT # 127 BEING PT OF OUTLOT K & LOT
Legal Subdivision	HUNTINGTON 2ND ADDITION
Legal Block	4
Legal Lot Number	127
Legal Unit	127
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	1
Census Block	1009
Census Tract	60840

Owner

Source: Dakota County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	12820 ECHO LN, SAINT PAUL, MN 55124-8678
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Feb 9, 2018	Warranty Deed, Transfer · Conventional with PMI NAVY FCU
May 31, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Feb 9, 2018 · Amount on Record
Deed Document Number	20221457758
Prior Transfer Date	May 9, 2017
Prior Transfer Doc	0003194067
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Sep 12, 2022
Property Address	12820 ECHO LN, APPLE VALLEY, MN 55124-8678
Document Number	0003557558
Instrument Date	Aug 26, 2022
Instrument	3557558
Transaction Type	Transfer
Record Updated	Sep 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$854.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12820 ECHO LN, SAINT PAUL, MN 55124-8678

Mortgage

Document Number	0003557559
Date	Sep 12, 2022
Instrument	3557559

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Feb 9, 2018
Property Address	12820 ECHO LN, APPLE VALLEY, MN 55124-8678
Document Number	0003236939
Instrument Date	Feb 1, 2018
Instrument	3236939
Transaction Type	Transfer
Record Updated	Mar 1, 2018
Title Company	CORELOGIC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$502.92
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12820 ECHO LN APPLE VALLEY MN 551248678, APPLE VALLEY, MN 55124-8678

Mortgage

Document Number	3236940
Date	Feb 9, 2018
Instrument	3236940

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DAKOTA MN
Recording Date	May 31, 2017
Property Address	12820 ECHO LN, APPLE VALLEY, MN 55124-8678
Document Number	0003194067
Instrument Date	May 9, 2017
Instrument	3194067
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12299 LUCERNE TRL LAKEVILLE MN 550447451, LAKEVILLE, MN 55044-7451

Tax Assessment & Valuation

Source: Dakota County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Apple Valley City
County	Dakota County
Unified School District	Rosemount-Apple Valley-Eagan (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,744.00 (+26.92%)	$237,600 (+10.15%) Land $36,900 Building $200,700	$237,600 (+10.15%) Land $36,900 Building $200,700
2023	$2,162.00 Homeowner's exemption
2022		$215,700 Land $35,100 Building $180,600	$215,700 Land $35,100 Building $180,600

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 October 4, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Apple Valley serves 50,300 people · EPA ID MN1190001
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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