12976 Echo Ln, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 12976 Echo Ln, Apple Valley, MN 55124

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 2,902 sqft · built 1996
Lot Size	0.064 acres (2,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,100 (Feb 2021)
Tax Bill	$5,531 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-20540-04-010`

Property Details

APN / Parcel Number

Primary APN	`01-20540-04-010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,902 sqft Living Area
Gross Area	3,342 sqft
1st Floor Area	2,902 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Townhouse
Construction Type	Wood
Lot Area	2,795 sqft (0.064 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	12976 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 1 4 LOT 1 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	1
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	1
Census Block	1014
Census Tract	60840

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	2 Individual Names on Record
Mailing Address	12976 ECHO LN, SAINT PAUL, MN 55124-8656
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 18, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 28, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 16, 2021	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2021 · Amount on Record
Deed Sale	Feb 16, 2021 · Amount on Record
Prior Sale	Jun 20, 2005 · Amount on Record
Deed Document Number	20213439309
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656
Transaction Type	Mortgage
Record Updated	Jan 29, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656

Mortgage

Document Number	0003616277
Date	Jan 18, 2024
Instrument	3616277

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2064

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656

Mortgage

Document Number	0003594805
Date	Jul 18, 2023
Instrument	3594805

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Dec 1, 2052

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656

Mortgage

Document Number	0003571627
Date	Dec 28, 2022
Instrument	3571627

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Feb 16, 2021
Property Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656
Document Number	0003439309
Instrument Date	Jan 12, 2021
Instrument	3439309
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,155.33
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12976 ECHO LN, APPLE VALLEY, MN 55124-8656

Mortgage

Document Number	0003439310
Date	Feb 16, 2021
Instrument	3439310

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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	$5,531.00 (+31%)	$440,400 (+10.99%) Land $80,000 Building $360,400	$440,400 (+10.99%) Land $80,000 Building $360,400
2023	$4,222.00
2022		$396,800 Land $76,100 Building $320,700	$396,800 Land $76,100 Building $320,700

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

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 150 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

May also be available: Verizon.

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