232 Elm Dr, Apple Valley (Saint Paul), MN 55124 Property Records

Dakota County property record for 232 Elm Dr, Apple Valley, MN 55124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 1963
Lot Size	0.231 acres (10,050 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Oct 2018)
Tax Bill	$3,836 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-11701-03-120`

Property Details

APN / Parcel Number

Primary APN	`01-11701-03-120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,564 sqft Living Area
Gross Area	1,900 sqft
1st Floor Area	1,564 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1983
Construction Type	Wood
Lot Area	10,050 sqft (0.231 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	232 ELM DR
City	SAINT PAUL
State	MN
Zip	55124-9304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	APPLE VALLEY 2ND ADDITION 12 3
Legal Subdivision	APPLE VALLEY 2ND ADDITION
Legal Block	3
Legal Lot Number	120
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	1
Census Block	1018
Census Tract	60811

Owner

232 Elm Dr is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	232 ELM DR, SAINT PAUL, MN 55124-9304
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
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEGASTAR FINANCIAL CORP
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage MEGASTAR FINANCIAL CORP
Oct 4, 2018	Warranty Deed, Transfer · Conventional Mortgage MEGASTAR FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on File
Deed Sale	Oct 4, 2018 · Amount on File
Prior Sale	Sep 23, 2011 · Amount on File
Deed Document Number	2018797844
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	232 ELM DR, APPLE VALLEY, MN 55124-9304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALL AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000830999
Date	Oct 30, 2020
Instrument	830999

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company
Address	DENVER, CO 80204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	232 ELM DR, APPLE VALLEY, MN 55124-9304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ALL AMERICAN TITLE CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000816447
Date	Jan 21, 2020
Instrument	816447

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company
Address	DENVER, CO 80204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Oct 4, 2018
Property Address	232 ELM DR, APPLE VALLEY, MN 55124-9304
Document Number	0000797844
Instrument Date	Sep 7, 2018
Instrument	797844
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$841.50
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	232 ELM DR, APPLE VALLEY, MN 55124-9304

Mortgage

Document Number	0000797845
Date	Oct 4, 2018
Instrument	797845

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 232 Elm Dr was $3,836 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	$3,836.00	$319,500 Land $88,100 Building $231,400	$319,500 Land $88,100 Building $231,400

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

Flood

FEMA maps place 232 Elm Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective October 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 232 Elm Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Netwave Broadband Fixed Wireless · not low latency	125 / 40
Midco Fixed Wireless	100 / 20

May also be available: T-Mobile.

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