12857 Echo Ln, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 12857 Echo Ln, Apple Valley, MN 55124

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 1,235 sqft · built 1989
Lot Size	0.13 acres (590,209 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Apr 2023)
Tax Bill	$2,816 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-34151-04-091`

Property Details

APN / Parcel Number

Primary APN	`01-34151-04-091`

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 (0.13 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	12857 ECHO LN
City	SAINT PAUL
State	MN
Zip	55124-8674
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HUNTINGTON 2ND ADDITION 2 3 HUNTERS RUN VILLAS CONDO FILE #98 UNIT # 91 BEING PT OF OUTLOT H & LOT
Legal Subdivision	HUNTINGTON 2ND ADDITION
Legal Block	4
Legal Lot Number	91
Legal Unit	91
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 June 15, 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	12857 ECHO LN, SAINT PAUL, MN 55124-8674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
May 16, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 17, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2023 · Amount on Record
Deed Sale	Apr 18, 2023 · Amount on Record
Prior Sale	May 14, 2015 · Amount on Record
Deed Document Number	20231533474
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Sep 23, 2026
Property Address	12857 ECHO LN, SAINT PAUL, MN 55124-8674
Document Number	0003743330
Instrument Date	Sep 17, 2026
Instrument	20263743330
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	ASCENSION LAND AND TITLE, ASCENSION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,659.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12857 ECHO LN, SAINT PAUL, MN 55124-8674

Mortgage

Document Number	0003743331,
Date	Sep 23, 2026
Instrument	20263743331

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0003743332,
Date	Sep 23, 2026
Instrument	20263743332

Lender

Name	NEIGHBORWORKS HOME PARTNERS

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	May 16, 2023
Property Address	12857 ECHO LN, APPLE VALLEY, MN 55124-8674
Document Number	0003587384
Instrument Date	Apr 18, 2023
Instrument	3587384
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12857 ECHO LN, APPLE VALLEY, MN 55124-8674

Mortgage

Document Number	0003587385
Date	May 16, 2023
Instrument	3587385

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Mortgage

Document Number	0003587386
Date	May 16, 2023
Instrument	3587386

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

February 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	DAKOTA MN
Recording Date	Feb 17, 2022
Property Address	12857 ECHO LN, APPLE VALLEY, MN 55124-8674
Document Number	0003525649
Map Reference	FILE 98
Instrument Date	Jan 26, 2022
Instrument	3525649
Transaction Type	Transfer
Record Updated	Mar 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12857 ECHO LN, APPLE VALLEY, MN 55124-8674

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	$2,816.00 (+23.4%)	$243,000 (+10.1%) Land $36,900 Building $206,100	$243,000 (+10.1%) Land $36,900 Building $206,100
2023	$2,282.00 Homeowner's exemption
2022	$2,282.00	$220,700 Land $35,100 Building $185,600	$220,700 Land $35,100 Building $185,600

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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