Dakota County property record for 456 Reflection Rd, Apple Valley, MN 55124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,806 sqft · built 1978 |
| Lot Size | 0.538 acres (23,451 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $628,000 (Feb 2020) |
| Tax Bill | $10,080 (2025) |
| Deeds & Mortgages | Oct 2019 Line of Credit Dec 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-56651-01-010 |
| Primary APN | 01-56651-01-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,806 sqft Living Area |
| Gross Area | 3,358 sqft |
| 1st Floor Area | 2,806 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1985 |
| Construction Type | Wood |
| Lot Area | 23,451 sqft (0.538 acres) |
| Garage Type | Attached |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 456 REFLECTION RD |
|---|---|
| City | SAINT PAUL |
| State | MN |
| Zip | 55124-9483 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PALOMINO HILLS LAKE SHORE ADD REPLAT 2 1 1 |
| Legal Subdivision | PALOMINO HILLS LAKE SHORE ADD REPLAT 2 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | DAKOTA MN |
| Township / Civil Division | APPLE VALLEY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 60811 |
Source: Dakota County records · APN 01-56651-01-010
Assessment roll updated May 27, 2026 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 456 REFLECTION RD, SAINT PAUL, MN 55124-9483 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 31, 2019 | Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL FCU |
| Dec 29, 2017 | Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE |
| Oct 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE |
| Feb 03, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| May 23, 2017 | Warranty Deed, Transfer · ARM TRADITION MORTGAGE |
| Mar 16, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage PREMIER BK/MN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 03, 2020 · Amount on Record |
| Deed Sale | Feb 03, 2020 · Amount on Record |
| Prior Sale | May 23, 2017 · Amount on Record |
| Deed Document Number | 2020817066 |
| Last Transfer Date | Feb 24, 2025 |
| Transfer Doc | 0000891204 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 456 REFLECTION RD, APPLE VALLEY, MN 55124-9483 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000812914 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 812914 |
| Name | TRUSTONE FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55447 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 30, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 456 REFLECTION RD, APPLE VALLEY, MN 55124-9483 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000787178 |
|---|---|
| Date | Dec 29, 2017 |
| Instrument | 787178 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKEVILLE, MN 55044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DAKOTA MN |
| Property Address | 456 REFLECTION RD, APPLE VALLEY, MN 55124-9483 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ESQUIRE TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000812757 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 812757 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | LAKEVILLE, MN 55044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Feb 03, 2020 |
| Property Address | 456 REFLECTION RD, APPLE VALLEY, MN 55124-9483 |
| Document Number | 0000817066 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 817066 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2020 |
| Title Company | MINNESOTA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,072.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 456 REFLECTION RD APPLE VALLEY MN 551249483, APPLE VALLEY, MN 55124-9483 |
| Document Number | 817067 |
|---|---|
| Date | Feb 03, 2020 |
| Instrument | 817067 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 02, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | May 23, 2017 |
| Property Address | 456 REFLECTION RD, APPLE VALLEY, MN 55124-9483 |
| Document Number | 0000777516 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 777516 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ARDEN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,506.93 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 456 REFLECTION RD, APPLE VALLEY, MN 55124-9483 |
| Document Number | 0000777517 |
|---|---|
| Date | May 23, 2017 |
| Instrument | 777517 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | May 01, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | DAKOTA MN |
| Recording Date | Mar 16, 2017 |
| Property Address | 456 REFLECTION RD, APPLE VALLEY, MN 55124-9483 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 774758 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 28, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 456 REFLECTION RD APPLE VALLEY MN 551249483, APPLE VALLEY, MN 55124-9483 |
| Document Number | 0000774758 |
|---|---|
| Date | Mar 16, 2017 |
| Instrument | 774758 |
| Name | PREMIER BK/MN |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, MN 55420 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 15, 2018 |
Source: Dakota County records · Assessment roll updated May 27, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Apple Valley City |
| County | Dakota County |
| Unified School District | Rosemount-Apple Valley-Eagan (PK - 12) |
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 | $10,080.00 | $754,200 Land $402,400 Building $351,800 | $754,200 Land $402,400 Building $351,800 |
Source: FEMA National Flood Hazard Layer, Dakota County (27037C), as of October 4, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270370608111, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: Midcontinent Communications, Netwave Broadband, Verizon.
Based on FCC filings for 101 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MN1190001, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Apple Valley serves 50,300 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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