15581 Garnet Way, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 15581 Garnet Way, Apple Valley, MN 55124

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,234 sqft · built 1993
Lot Size	20 acres (892,305 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jul 2023)
Tax Bill	$2,664 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-16700-04-056`

Property Details

APN / Parcel Number

Primary APN	`01-16700-04-056`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,234 sqft Living Area
Gross Area	1,289 sqft
1st Floor Area	696 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Townhouse
Construction Type	Wood
Lot Area	892,305 sqft (20 acres)
Garage Type	Attached
Garage Area	55 sqft

Location & Zoning

Street Address	15581 GARNET WAY
City	SAINT PAUL
State	MN
Zip	55124-5158
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	CEDAR POINTE 5 2 CEDAR POINTE CARRIAGE HOMES FILE #117 UNIT #56 1/204 INT BEING PT OF LOTS 1 THRU 5 BLK 1 & LOTS 1 THRU 4 BLK 2 & OUTLOTS A & B CEDAR POINTE & LOTS 1 THRU 3 BLK 1 & LOTS 1 THRU 5 BLK 2 & OUTLOT A CEDAR POINTE 2ND
Legal Subdivision	CEDAR POINTE
Legal Block	4
Legal Lot Number	56
Legal Unit	56
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	2
Census Block	2002
Census Tract	60828

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	15581 GARNET WAY, 56, SAINT PAUL, MN 55124-5158
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit BELL BANK
Aug 14, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Sep 30, 2019	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
May 1, 2018	Limited Warranty Deed, Transfer · Conventional Mortgage HOMESERVICES LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2023 · Amount on Record
Deed Sale	Jul 24, 2023 · Amount on Record
Prior Sale	May 1, 2018 · Amount on Record
Deed Document Number	20231560117
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	15581 GARNET WAY, APPLE VALLEY, MN 55124-5158
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15581 GARNET WAY, APPLE VALLEY, MN 55124-5158

Mortgage

Document Number	0003592155
Date	Jun 26, 2023
Instrument	3592155

Lender

Name	BELL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55431

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 9, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Aug 14, 2023
Property Address	15581 GARNET WAY, APPLE VALLEY, MN 55124-5158
Document Number	0003598409
Instrument Date	Jul 24, 2023
Instrument	3598409
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15581 GARNET WAY # 56, 56, APPLE VALLEY, MN 55124-5158

Mortgage

Document Number	0003598410
Date	Aug 14, 2023
Instrument	3598410

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DAKOTA MN
Property Address	15581 GARNET WAY, APPLE VALLEY, MN 55124-5158
Document Number	0003336296
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15581 GARNET WAY APPLE VALLEY MN 551245158, APPLE VALLEY, MN 55124-5158

Mortgage

Document Number	0003336296
Date	Nov 6, 2019
Instrument	3336296

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	480 Months
Due	Nov 5, 2059

Interest

Rate	4.25%

May 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	May 1, 2018
Property Address	15581 GARNET WAY, APPLE VALLEY, MN 55124-5158
Document Number	0003247913
Instrument Date	Apr 20, 2018
Instrument	3247913
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	WATERMARK TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$541.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15581 GARNET WAY, APPLE VALLEY, MN 55124-5158

Mortgage

Document Number	0003247914
Date	May 1, 2018
Instrument	3247914

Lender

Name	HOMESERVICES LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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	$2,664.00 (+28.45%)	$231,600 (+11.29%) Land $43,100 Building $188,500	$231,600 (+11.29%) Land $43,100 Building $188,500
2023	$2,074.00 Homeowner's exemption
2022		$208,100 Land $40,900 Building $167,200	$208,100 Land $40,900 Building $167,200

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	Not rated no burnable land within 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 262 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Midco Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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