429 Reflection Rd, Saint Paul, MN 55124 Property Records

Dakota County property record for 429 Reflection Rd, Saint Paul, MN 55124 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,066 sqft · built 1970
Lot Size	0.644 acres (28,030 sqft)
Owner	2 Individual Names on File
Last Sale	$835,000 (Sep 2022)
Tax Bill	$10,708 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-56650-05-070`

Property Details

APN / Parcel Number

Primary APN	`01-56650-05-070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,066 sqft Living Area
Gross Area	3,706 sqft
1st Floor Area	3,066 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1979
Construction Type	Wood
Lot Area	28,030 sqft (0.644 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	429 REFLECTION RD
City	SAINT PAUL
State	MN
Zip	55124-9416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALOMINO HILLS LAKESHORE ADDITION 7 5
Legal Subdivision	PALOMINO HILLS LAKESHORE ADDITION
Legal Block	5
Legal Lot Number	70
Jurisdiction	DAKOTA MN
Township / Civil Division	APPLE VALLEY
Census Block Group	1
Census Block	1001
Census Tract	60811

Owner

Source: Dakota County records · APN 01-56650-05-070

Assessment roll updated May 27, 2026 · Last verified July 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 File
Mailing Address	429 REFLECTION RD, SAINT PAUL, MN 55124-9416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jul 14, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUSTONE FINANCIAL FEDERAL CREDIT UNION
Sep 27, 2022	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Jun 13, 2019	Warranty Deed, Transfer QUICKEN LNS
Aug 27, 2018	Deed, Transfer · ARM ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 22, 2022 · Amount on Record
Deed Sale	Sep 22, 2022 · Amount on Record
Prior Sale	Jun 13, 2019 · Amount on Record
Deed Document Number	20221470449
Prior Transfer Date	Sep 26, 2016
Prior Transfer Doc	0000769000
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DAKOTA MN
Recording Date	Jul 14, 2026
Property Address	429 REFLECTION RD, SAINT PAUL, MN 55124-9416
Document Number	0000906322
Instrument Date	Jun 30, 2026
Instrument	2026906322
Transaction Type	Transfer
Record Updated	Aug 04, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	429 REFLECTION RD, SAINT PAUL, MN 55124-9416

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Jul 14, 2026
Property Address	429 REFLECTION RD, SAINT PAUL, MN 55124-9416
Document Number	0000906318
Instrument Date	Jun 23, 2026
Instrument	2026906318
Transaction Type	Transfer
Record Updated	Aug 04, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$302,469.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 REFLECTION RD, SAINT PAUL, MN 55124-9416

Mortgage

Document Number	0000906321,
Date	Jul 14, 2026
Instrument	2026906321

Lender

Name	TRUSTONE FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Sep 27, 2022
Property Address	429 REFLECTION RD, APPLE VALLEY, MN 55124-9416
Document Number	0000867051
Instrument Date	Sep 22, 2022
Instrument	867051
Transaction Type	Transfer
Record Updated	Oct 05, 2022
Title Company	EXECUTIVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,755.50
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	429 REFLECTION RD, APPLE VALLEY, MN 55124-9416

Mortgage

Document Number	0000867052
Date	Sep 27, 2022
Instrument	867052

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DAKOTA MN
Recording Date	Jun 13, 2019
Property Address	429 REFLECTION RD, APPLE VALLEY, MN 55124-9416
Document Number	0000806486
Instrument Date	Jun 07, 2019
Instrument	806486
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,333.10
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	429 REFLECTION RD APPLE VALLEY MN 551249416, APPLE VALLEY, MN 55124-9416

Mortgage

Document Number	806487
Date	Jun 13, 2019
Instrument	806487

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	DAKOTA MN
Recording Date	Aug 27, 2018
Property Address	429 REFLECTION RD, APPLE VALLEY, MN 55124-9416
Document Number	0000796308
Instrument Date	Jun 08, 2018
Instrument	796308
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
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	429 REFLECTION RD, APPLE VALLEY, MN 55124-9416

Mortgage

Document Number	0000796309
Date	Aug 27, 2018
Instrument	796309

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jul 01, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

Source: Dakota County records · Assessment roll updated May 27, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,708.00 (+12.62%)	$796,200 (+0.63%) Land $390,600 Building $405,600	$796,200 (+0.63%) Land $390,600 Building $405,600
2024	$9,508.00 (+9.21%)	$791,200 (+2.69%) Land $376,700 Building $414,500	$791,200 (+2.69%) Land $376,700 Building $414,500
2023	$8,706.00
2022		$770,500 Land $376,200 Building $394,300	$770,500 Land $376,200 Building $394,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Dakota County (27037C), updated October 4, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270370608111, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 357 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)	Low Latency
Frontier	Fiber	7,000 / 7,000	Yes
Spectrum	Cable	1,000 / 1,000	Yes
Verizon	Fixed Wireless	300 / 20	Yes
Netwave Broadband	Fixed Wireless (unlicensed)	125 / 40	No
T-Mobile USA	Fixed Wireless	100 / 20	Yes
AT&T	Fixed Wireless	100 / 20	Yes

May also be available at this address: AT&T, Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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