13910 Duluth Dr, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 13910 Duluth Dr, Apple Valley, MN 55124

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,038 sqft · built 1989
Lot Size	0.313 acres (13,625 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Sep 2017)
Tax Bill	$5,104 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-73101-04-010`

Property Details

APN / Parcel Number

Primary APN	`01-73101-04-010`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,038 sqft Living Area
Gross Area	2,558 sqft
1st Floor Area	1,274 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1991
Architectural Style	Split Level
Construction Type	Wood
Lot Area	13,625 sqft (0.313 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	13910 DULUTH DR
City	SAINT PAUL
State	MN
Zip	55124-9206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERFIELD 2ND ADDITION 1 4
Legal Subdivision	SUMMERFIELD 2ND ADDITION
Legal Block	4
Legal Lot Number	10
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	3
Census Block	3011
Census Tract	60841

Owner

13910 Duluth Dr is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	13910 DULUTH DR, SAINT PAUL, MN 55124-9206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 25, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDCOUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2017 · Amount on File
Deed Sale	Sep 25, 2017 · Amount on File
Prior Sale	Dec 13, 2001 · Amount on File
Deed Document Number	20173214378
Prior Transfer Date	Feb 26, 2016
Prior Transfer Doc	0003116558
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	13910 DULUTH DR, APPLE VALLEY, MN 55124-9206
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003693582
Date	Sep 30, 2025
Instrument	3693582

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Sep 25, 2017
Property Address	13910 DULUTH DR, APPLE VALLEY, MN 55124-9206
Document Number	0003214378
Instrument Date	Sep 22, 2017
Instrument	3214378
Transaction Type	Transfer
Record Updated	Sep 13, 2021
Title Company	ON-SITE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$923.67
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	13910 DULUTH DR, SAINT PAUL, MN 55124-9206

Mortgage

Document Number	0003214379
Date	Sep 25, 2017
Instrument	3214379

Lender

Name	MIDCOUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 13910 Duluth Dr was $5,104 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	$5,104.00	$413,400 Land $106,100 Building $307,300	$413,400 Land $106,100 Building $307,300

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

Flood

FEMA maps place 13910 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 13910 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	Direct burnable vegetation

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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