12975 Findlay Way, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 12975 Findlay Way, Apple Valley, MN 55124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,780 sqft · built 1973
Lot Size	0.271 acres (11,824 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Nov 2020)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-31004-01-080`

Property Details

APN / Parcel Number

Primary APN	`01-31004-01-080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,780 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,780 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1984
Construction Type	Wood
Lot Area	11,824 sqft (0.271 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12975 FINDLAY WAY
City	SAINT PAUL
State	MN
Zip	55124-7933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENLEAF 5TH ADDITION 8 1
Legal Subdivision	GREENLEAF 5TH ADDITION
Legal Block	1
Legal Lot Number	80
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	1
Census Block	1004
Census Tract	60822

Owner

Source: Dakota County records, 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	Individual Name on Record
Mailing Address	12975 FINDLAY WAY, SAINT PAUL, MN 55124-7933
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Aug 26, 2017	Deed of Trust, Mortgage · VA Mortgage GO DIRECT LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2020 · Amount on Record
Deed Sale	Nov 19, 2020 · Amount on Record
Prior Sale	Mar 16, 2016 · Amount on Record
Deed Document Number	20203416590
Record Updated	Sep 20, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Nov 19, 2020
Property Address	12975 FINDLAY WAY, APPLE VALLEY, MN 55124-7933
Document Number	0003416590
Instrument Date	Sep 4, 2020
Instrument	3416590
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ESQUIRE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12975 FINDLAY WAY, APPLE VALLEY, MN 55124-7933

Mortgage

Document Number	0003416591
Date	Nov 19, 2020
Instrument	3416591

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	12975 FINDLAY WAY, APPLE VALLEY, MN 55124-7933
Document Number	0003210771
Instrument Date	Aug 26, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12975 FINDLAY WAY APPLE VALLEY MN 551247933, APPLE VALLEY, MN 55124-7933

Mortgage

Document Number	0003210771
Date	Sep 1, 2017
Instrument	3210771

Lender

Name	GO DIRECT LENDERS
Address	ENCINO, CA 91316

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 31, 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	$4,066.00	$336,000 Land $109,800 Building $226,200	$336,000 Land $109,800 Building $226,200

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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 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 286 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
Southeast MN Wifi Fixed Wireless	300 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: AT&T.

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