5080 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5080 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 2,226 sqft · built 1982
Lot Size	1.26 acres (54,886 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Oct 2019)
Tax Bill	$4,650 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-118-24-42-0023`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0023`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,226 sqft Living Area
Gross Area	3,028 sqft
1st Floor Area	1,274 sqft
2nd Floor Area	728 sqft
Basement Area	1,274 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Colonial
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,886 sqft
Lot Dimensions	264 ft deep x 40 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	490 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	312 sqft
Deck Area	32 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	5080 FERN DR
City	LORETTO
State	MN
Zip	55357-4704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 009 BLOCK 002 A FERNWOOD HILLS SE415X264X264
Legal Range	24
Legal Township	118
Legal Section	01
Legal Quarter	42
Legal Subdivision	FERNWOOD HILLS
Legal Block	2
Legal Lot Number	9
Jurisdiction	HENNEPIN MN
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3006
Census Tract	27002

Owner

Source: Hennepin County records, as of June 23, 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 Record
Mailing Address	5080 FERN DR, LORETTO, MN 55357-4704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage BELL BANK
Oct 29, 2019	Warranty Deed, Transfer · Conventional Mortgage BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2019 · Amount on Record
Deed Sale	Oct 29, 2019 · Amount on Record
Deed Document Number	201910720968
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5080 FERN DR, LORETTO, MN 55357-4704
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A10945541
Date	Apr 12, 2021
Instrument	A10945541

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Oct 29, 2019
Property Address	5080 FERN DR, LORETTO, MN 55357-4704
Document Number	0010720968
Instrument Date	Sep 17, 2019
Instrument	10720968
Transaction Type	Transfer
Record Updated	Nov 14, 2019
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,054.00
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	5080 FERN DR INDEPENDENCE MN 553574704, INDEPENDENCE, MN 55357-4704

Mortgage

Document Number	10720969
Date	Oct 29, 2019
Instrument	10720969

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2049

Tax Assessment & Valuation

Source: Hennepin County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Hennepin County
Municipality	Independence City
Unified School District	Delano Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,650.00 (+3.22%)	$406,700 (+7.88%) Land $135,000 Building $271,700	$406,700 (+7.88%) Land $135,000 Building $271,700
2023	$4,505.00 Homeowner's exemption
2022		$377,000 Land $120,000 Building $257,000	$377,000 Land $120,000 Building $257,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 25, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 61% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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