5085 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5085 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,440 sqft · built 1975
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$376,751 (Dec 2020)
Tax Bill	$5,366 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Dec 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-118-24-42-0013`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0013`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Building Area	1,440 sqft Living Area
Gross Area	3,529 sqft
1st Floor Area	1,440 sqft
Basement Area	1,152 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Architectural Style	Split Foyer
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,867 sqft
Lot Depth	227 ft Depth
View / Lot	Lake
Garage Type	Attached
Garage Area	840 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	98 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5085 FERN DR
City	LORETTO
State	MN
Zip	55357-4704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 013 BLOCK 001 A FERNWOOD HILLS N185X227X235X213
Legal Range	24
Legal Township	118
Legal Section	01
Legal Quarter	42
Legal Subdivision	FERNWOOD HILLS
Legal Block	1
Legal Lot Number	13
Jurisdiction	HENNEPIN MN
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3005
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	5085 FERN DR, LORETTO, MN 55357-4704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Dec 28, 2020	Warranty Deed, Transfer MIDLAND TITLE
Mar 15, 2019	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Prior Sale	Dec 28, 2020 · Amount on Record
Deed Document Number	202010891859
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Dec 28, 2020
Property Address	5085 FERN DR, LORETTO, MN 55357-4704
Document Number	0010891859
Instrument Date	Oct 28, 2020
Instrument	10891859
Transaction Type	Transfer
Record Updated	Feb 2, 2021
Title Company	MIDLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,281.00
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	5085 FERN DR LORETTO MN 553574704, LORETTO, MN 55357-4704

Mortgage

Document Number	10891860
Date	Dec 28, 2020
Instrument	10891860

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Dec 28, 2020
Property Address	5085 FERN DR, LORETTO, MN 55357-4704
Document Number	0010891858
Instrument Date	Oct 23, 2020
Instrument	10891858
Transaction Type	Transfer
Record Updated	Feb 1, 2021
Title Company	MIDLAND TITLE

Transaction

Amount	Amount Recorded
Tax	$408.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5085 FERN DR LORETTO MN 553574704, LORETTO, MN 55357-4704

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HENNEPIN MN
Recording Date	Mar 15, 2019
Property Address	5085 FERN DR, LORETTO, MN 55357-4704
Document Number	0010642785
Instrument Date	Feb 20, 2019
Instrument	10642785
Transaction Type	Transfer
Record Updated	Mar 26, 2019

Transaction

Amount	Amount Recorded
Tax	$408.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4555 SPRUCE WAY MAPLE PLAIN MN 553599611, MAPLE PLAIN, MN 55359-9611

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	$5,366.00 (+1.51%)	$461,500 (+5.13%) Land $135,000 Building $326,500	$461,500 (+5.13%) Land $135,000 Building $326,500
2023	$5,286.00 Homeowner's exemption
2022		$439,000 Land $120,000 Building $319,000	$439,000 Land $120,000 Building $319,000

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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