12974 Echo Ln, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 12974 Echo Ln, Apple Valley, MN 55124

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 1,554 sqft · built 1996
Lot Size	0.036 acres (1,548 sqft)
Owner	2 Individual Names on File
Last Sale	$183,000 (Dec 2004)
Tax Bill	$3,422 (2025)
Deeds & Mortgages	May 2022 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-20540-04-020`

Property Details

APN / Parcel Number

Primary APN	`01-20540-04-020`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,554 sqft Living Area
Gross Area	1,984 sqft
1st Floor Area	1,060 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Townhouse
Construction Type	Wood
Lot Area	1,548 sqft (0.036 acres)
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12974 ECHO LN
City	SAINT PAUL
State	MN
Zip	55124-8656
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	DIAMOND PATH TOWNHOMES CIC NO 130 2 4 LOT 2 BLK 4 & INTEREST ATTRIBUTABLE TO COMMON AREA KNOWN AS OUTLOT B
Legal Subdivision	DIAMOND PATH TOWNHOMES CIC NO 130
Legal Block	4
Legal Lot Number	2
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	1
Census Block	1014
Census Tract	60840

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	12974 ECHO LN, SAINT PAUL, MN 55124-8656
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage INTERCONTINENTAL CAPITAL GROUP INC
Nov 14, 2017	Deed of Trust, Mortgage · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 8, 2004 · Amount on Record
Deed Sale	Dec 8, 2004 · Amount on Record
Prior Sale	Jan 13, 2000 · Amount on Record
Deed Document Number	2004219988
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	12974 ECHO LN, APPLE VALLEY, MN 55124-8656
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003537430
Date	May 3, 2022
Instrument	3537430

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	12974 ECHO LN, APPLE VALLEY, MN 55124-8656
Document Number	0003223992
Instrument Date	Nov 14, 2017
Transaction Type	Mortgage
Record Updated	Dec 7, 2017
Title Company	CORPORATION SERVICES COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12974 ECHO LN APPLE VALLEY MN 551248656, APPLE VALLEY, MN 55124-8656

Mortgage

Document Number	0003223992
Date	Nov 20, 2017
Instrument	3223992

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 19, 2047

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	$3,422.00	$288,000 Land $72,800 Building $215,200	$288,000 Land $72,800 Building $215,200

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 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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