13657 Duluth Dr, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 13657 Duluth Dr, Apple Valley, MN 55124

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,032 sqft · built 1987
Lot Size	0.519 acres (22,595 sqft)
Owner	2 Individual Names on File
Last Sale	$627,000 (Oct 2021)
Tax Bill	$8,726 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-75952-02-020`

Property Details

APN / Parcel Number

Primary APN	`01-75952-02-020`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,032 sqft Living Area
Gross Area	4,824 sqft
1st Floor Area	1,609 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1989
Construction Type	Wood
Lot Area	22,595 sqft (0.519 acres)
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	13657 DULUTH DR
City	SAINT PAUL
State	MN
Zip	55124-9203
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE OAKS OF APPLE VALLEY III 2 2
Legal Subdivision	THE OAKS OF APPLE VALLEY III
Legal Block	2
Legal Lot Number	20
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	3
Census Block	3003
Census Tract	60841

Owner

13657 Duluth Dr is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	13657 DULUTH DR, SAINT PAUL, MN 55124-9203
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Warranty Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Aug 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage SPIRE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Prior Sale	Oct 6, 2021 · Amount on File
Deed Document Number	20213499839
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Oct 20, 2021
Property Address	13657 DULUTH DR, APPLE VALLEY, MN 55124-9203
Document Number	0003499839
Instrument Date	Oct 15, 2021
Instrument	3499839
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,069.10
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	13657 DULUTH DR, APPLE VALLEY, MN 55124-9203

Mortgage

Document Number	0003499841
Date	Oct 20, 2021
Instrument	3499841

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	13657 DULUTH DR, APPLE VALLEY, MN 55124-9203
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003388294
Date	Aug 4, 2020
Instrument	3388294

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	174 Months
Due	Feb 1, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	13657 DULUTH DR, APPLE VALLEY, MN 55124-9203
Document Number	0003269168
Instrument Date	Aug 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	13657 DULUTH DR APPLE VALLEY MN 551249203, APPLE VALLEY, MN 55124-9203

Mortgage

Document Number	0003269168
Date	Sep 6, 2018
Instrument	3269168

Lender

Name	SPIRE CU
Address	FALCON HEIGHTS, MN 55113

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 5, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 13657 Duluth Dr was $8,726 with a homeowner's exemption.

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	$8,726.00	$663,600 Land $179,500 Building $484,100	$663,600 Land $179,500 Building $484,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 13657 Duluth Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 13657 Duluth Dr is low, with less than a 0.01% annual chance of 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 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Metronet.

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