Real Estate and Mortgage Guide for Apple Valley, MN

A suburb of the Twin Cities, Apple Valley is located in Dakota County. Money Magazine listed Apple Valley as the 17th top place to live in America in their 2013 survey.

The town name derives from a view on the road. Driving east on Country Road 42 the view of the town is similar to Apple Valley, California. This came from Henry Broback, a local developer that helped to form the town.

Population and Number of Homes

The 2012 census listed Apple Valley’s population as 49,978. With over 19,000 housing units the population density is about 2,900 per square mile.

The average age of a resident in Apple Valley is 37. 25% of the people are younger than 18 while 7% of the population falls in the 18-24 age bracket. 27% of the people are 25-44 and 30% are 45-64. Only 9% of the population is older than 64.

Local Economy

The current count shows that Apple Valley has more than 600 businesses. Over 50% of those companies are registered members of the local Apple Valley Chamber of Commerce.

Average Weather

Apple Valley enjoys 4 full seasons throughout the year with mild weather. The warmest time of the year is July when the highs can reach 84 degrees. The coldest time of the year is January when lows can dip down to 4 degrees.

With the colder winter weather, it is common to see snowfall. Annual averages of snowfall reach 43 inches of accumulation for the winter. During the remainder of the year, about 30 inches of rain falls on the area in the course of an average of 12 months.

Universities, Colleges and Junior Colleges

Although there are no colleges or universities located directly in Apple Valley there are many higher education options within a 20 mile radius of the city. Here are the most prominent schools located nearby:

  • Inver Hills Community College, located in Inver Grove Heights, MN
  • University of St Thomas, located in St Paul, MN
  • Normandale Community College, located in Bloomington, MN
  • St Paul College, located in St Paul, MN
  • Augsburg College, located in Minneapolis, MN
  • St Catherine University, located in St Paul, MN

Public School System

Independent School District 196 manages the public schools in Apple Valley. There are 3 high schools along with 6 elementary schools and 3 middle schools. There is a magnet school, School of Environmental Studies that offers classes to 11th-12th grades.

Private Schools

There are two faith based private schools in Apple Valley. Neither school offers classes above the 9th grade level

  • Glory Academy
  • Heritage Lutheran

Important Stats for Level of Education

For the citizens above the age of 25, here are the major education statistics

  • 95% graduated high school
  • 44% earned a bachelor’s degree
  • 14% have earned either a professional or graduate degree
  • 6% of the population is unemployed

Transportation Options

Other than interstates and state highways there are no public transportation options in Apple Valley. The closest Amtrak station is located in St Paul, approximately 16 miles away.

There is no public airport in Apple Valley

Popular Restaurants and Other Hot Spots

Apple Valley has several restaurants to meet almost any cuisine preference.

  • Taste of Thaiyai – serving traditional Thai food
  • The Valley Tap House – traditional burgers along with other sandwiches
  • Osaka Seafood Steakhouse – Japanese steakhouse that also offers seafood
  • Kami – Sushi bar
  • Satay 2 Go – Chinese & Malaysian menu items
  • Vivo Kitchen – Italian and American dishes


The closest hospital is DCI Kennelly, located in Burnsville, MN about 4 miles from Apple Valley. There are two nursing homes in Apple Valley

Outdoor Activities

Minnesota Zoo is located in Apple Valley. This zoo is famous around the country as a zoological garden. Instead of keeping animals in enclosures based on species, the different creatures are displayed in spaces that resemble the animal’s natural habitat. The facility has hundreds of different species from around the world, including bears that are native to Russia.

Annually, around July 4th, is the Apple Valley Freedom Days event. There is a parade with many of the local businesses and organizations participating. In addition, locally owned businesses will offer discounts and special sales.

Why Choose us as Your Apple Valley Mortgage Lender?

We are a Mortgage Lender specializing in mortgage loans since we first opened our doors. With licensed offices in 47 states, we have the staff and the experience to meet any home loan needs.

We were named to Mortgage Executive Magazine's list of Top 100 Mortgage Companies in America. In 2018 we were awarded as a Top Mortgage Lender in Top Dollar Volume by Scotsman Guide. We were also named a Top Workplace by the Houston Chronicle for the 5th year. Finally, we were named to Inc. 5000 list of Fastest-Growing Private Companies in America.

Besides these accolades, we are proud that President Ron Zach was named to National Mortgage Professional Magazine’s list of the 40 most influential mortgage professionals under 40.

How to Buy a Home in Apple Valley with Little or No Money Down

Of course you want to buy a home in Apple Valley with no down payment. Who doesn’t?

Here’s how you do it:

Many people never buy the home of their dreams simply because they don't think they have enough money for the down payment. They have been told through the years that they need 10% or 20% of the purchase price in order to buy a home. Well, this is true for the conventional/conforming loan programs but not for Apple Valley Government loans.

So why have so many Lenders told them this?

It’s because selling homes to people with 10% or 20% down is easier than selling homes to people who have little or no money for a down payment. Most mortgage loan officers would rather go after the "easy sale" than try to help people who would rather save the down payment money for a rainy day or for current and future repairs/upgrades.

  • Contact us for more information
    (262) 305-0680
  • Fill out the form and a member of our team will contact you within 24 hours.
  • This field is for validation purposes and should be left unchanged.