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13800 Fernando Ave, Apple Valley, MN, 55124

4beds
3baths
2,749sqft
$500,000
$182price/sqft
$3,512/moest. monthly cost
$140,480/yrincome needed

About This Home

Welcome home to effortless one-level living in the heart of Apple Valley! This beautifully updated townhome offers two levels of finished living space with 4 bedrooms, 3 bathrooms, and an attached 2-car garage. Fresh paint and updated flooring create a modern, move-in-ready feel throughout. The bright, open kitchen flows seamlessly into the living and dining areas, making everyday living and entertaining a breeze. Just off the main living space, you'll find a sunroom currently serving as a grand piano room—a flexible space perfect for relaxing, reading, a home office, or hobby room. The main-floor primary suite, convenient main-floor laundry, and maintenance-free deck with timer-controlled solar lighting make daily living both comfortable and convenient. The finished lower level provides additional bedrooms, living space, and flexibility for guests, hobbies, or multigenerational living. Located in the heart of Apple Valley with award winning school district 196, you'll enjoy easy access to shopping, dining, parks, walking trails, and major commuting routes. This is low-maintenance living without sacrificing space!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

9/10
8/10
10/10

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: Townhouse
  • Property subType: (TH) Side x Side

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Laundry Room,Main Level,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished,Full,Storage Space

Bathroom

  • Level: Lower
  • Area: 69.02
  • Dimensions: 5.8x11.9

Bedroom

  • Level: Main
  • Area: 206.36
  • Dimensions: 15.4x13.4

Bedroom2

  • Level: Main
  • Area: 116.4
  • Dimensions: 9.7x12

Bedroom3

  • Level: Lower
  • Area: 228.6
  • Dimensions: 12.7x18

Bedroom4

  • Level: Lower
  • Area: 141.25
  • Dimensions: 11.3x12.5

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • 3/4 bathrooms: 3

Deck

  • Level: Main
  • Area: 102.6
  • Dimensions: 9x11.4

Dining Room

  • Level: Main
  • Area: 159.2
  • Dimensions: 19.9x8

Family Room

  • Level: Lower
  • Area: 537.75
  • Dimensions: 22.5x23.9

Features

  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,078
  • Finished area above ground: 1,671

Foyer

  • Level: Main
  • Area: 146.88
  • Dimensions: 10.2x14.4

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,218
  • Total interior livable area: 2,749 sqft

Kitchen

  • Level: Main
  • Area: 120
  • Dimensions: 10x12

Laundry

  • Level: Main
  • Area: 103.5
  • Dimensions: 9x11.5

Living Room

  • Level: Main
  • Area: 274.62
  • Dimensions: 19.9x13.8

Primary Bathroom

  • Level: Main
  • Area: 103.5
  • Dimensions: 9x11.5

Recreation Room

  • Level: Lower
  • Area: 550
  • Dimensions: 25x22

Sun Room

  • Level: Main
  • Area: 151.62
  • Dimensions: 13.3x11.4

Walk In Closet

  • Level: Main
  • Area: 54
  • Dimensions: 6x9

Walk In Closet

  • Level: Lower
  • Area: 40
  • Dimensions: 10x4

Property

Accessibility

  • Accessibility features: Partially Wheelchair

Details

  • Parcel number: 018327501180
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 1671

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Composite Decking,Deck
  • Fencing: None

Lot

  • Lot size: 3,963 sqft
  • Features: Near Public Transit,Tree Coverage - Light
  • Lot size dimensions: Common

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Winter Weather

FEMA Declared Disasters in Dakota County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,528$30,336
Home Insurance *$295$3,540
Property Taxes $458$5,496
Electricity $231$2,782
Total$3,512$42,144
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,411/yr
40% on housing$105,360/yr
45% on housing$93,653/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 55124$146
Dakota County$172

vs Homes Sold Last Month

Median $/sqft

ZIP 55124$186
Dakota County$192

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$500,000
2026-07-31Listed for sale$500,000
1997-10-08Sold$187,900

For Sale by Agent

AgentBrianne J. Lawrence
BrokerageEdge Real Estate Services

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