Dakota County property record for 455 Reflection Rd, Apple Valley, MN 55124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,722 sqft · built 1972 |
| Lot Size | 0.459 acres (20,010 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $713,000 (Nov 2022) |
| Tax Bill | $9,836 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage May 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-56650-04-080 |
| Primary APN | 01-56650-04-080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,722 sqft Living Area |
| Gross Area | 4,482 sqft |
| 1st Floor Area | 3,722 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Wood |
| Lot Area | 20,010 sqft (0.459 acres) |
| Garage Type | Attached |
| Garage Area | 760 sqft |
| Parking Spaces | 3 Parking Spaces |
| Street Address | 455 REFLECTION RD |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55124-9463 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALOMINO HILLS LAKESHORE ADDITION 8 4 |
| Legal Subdivision | PALOMINO HILLS LAKESHORE ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 80 |
| Jurisdiction | DAKOTA MN |
| Township / Civil Division | APPLE VALLEY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 60811 |
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 | 455 REFLECTION RD, SAINT PAUL, MN 55124-9463 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage WINGS FINANCIAL CU |
| May 12, 2022 | Deed of Trust, Mortgage · Line of Credit DRAKE BANK |
| May 8, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2022 · Amount on Record |
| Deed Sale | Nov 30, 2022 · Amount on Record |
| Deed Document Number | 20221494066 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Dec 5, 2022 |
| Property Address | 455 REFLECTION RD, APPLE VALLEY, MN 55124-9463 |
| Document Number | 0000869256 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 869256 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,352.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 455 REFLECTION RD, APPLE VALLEY, MN 55124-9463 |
| Document Number | 0000869257 |
|---|---|
| Date | Dec 5, 2022 |
| Instrument | 869257 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.25% |
| Index | 1-Year T-Bill |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 455 REFLECTION RD, APPLE VALLEY, MN 55124-9463 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Title Company | DCA TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000861901 |
|---|---|
| Date | May 12, 2022 |
| Instrument | 861901 |
| Name | DRAKE BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 4, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 455 REFLECTION RD, APPLE VALLEY, MN 55124-9463 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CORPORATION SERVICE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000776886 |
|---|---|
| Date | May 8, 2017 |
| Instrument | 776886 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 10, 2032 |
Source: Dakota County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Apple Valley City |
| County | Dakota County |
| Unified School District | Rosemount-Apple Valley-Eagan (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,836.00 (+5.27%) | $737,900 (-10.17%) Land $390,600 Building $347,300 | $737,900 (-10.17%) Land $390,600 Building $347,300 |
| 2023 | $9,344.00 Homeowner's exemption | ||
| 2022 | $821,400 Land $376,200 Building $445,200 | $821,400 Land $376,200 Building $445,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
May also be available: AT&T, GigFire, Midco, Netwave Broadband, T-Mobile, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures