Hennepin County property record for 5135 Fern Dr, Loretto, MN 55357
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,168 sqft · built 1980 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Sep 2016) |
| Tax Bill | $13,038 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Feb 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-118-24-42-0009 |
| Primary APN | 01-118-24-42-0009 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,168 sqft Living Area |
| Gross Area | 5,864 sqft |
| 1st Floor Area | 2,062 sqft |
| 2nd Floor Area | 1,106 sqft |
| Basement Area | 1,616 sqft |
| Family Room | Family Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 52,272 sqft |
| Lot Width | 15.2 ft Width |
| Terrain | Wooded |
| View / Lot | Lake Front |
| Garage Type | Attached |
| Garage Area | 1,080 sqft |
| Deck Area | 359 sqft |
| Patio Area | 359 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Street Address | 5135 FERN DR |
|---|---|
| City | LORETTO |
| State | MN |
| Zip | 55357-9508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 009 BLOCK 001 A FERNWOOD HILLS IRREGULAR |
| Legal Range | 24 |
| Legal Township | 118 |
| Legal Section | 01 |
| Legal Quarter | 42 |
| Legal Subdivision | FERNWOOD HILLS |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 27002 |
5135 Fern Dr is owned and occupied by two individuals who acquired it in August 2025.
Source: Hennepin County records, as of July 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5135 FERN DR, LORETTO, MN 55357-9508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL FEDERAL CREDIT UNION |
| Feb 6, 2026 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2016 · Amount on File |
| Deed Sale | Sep 19, 2016 · Amount on File |
| Deed Document Number | 201610357808 |
| Last Transfer Date | Aug 28, 2025 |
| Transfer Doc | 0011437927 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Jun 22, 2026 |
| Property Address | 5135 FERN DR, LORETTO, MN 55357-9508 |
| Document Number | 0011472805 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 202611472805 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5135 FERN DR, LORETTO, MN 55357-9508 |
| Document Number | 0011472805, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202611472805 |
| Name | TRUSTONE FINANCIAL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Recording Date | Feb 6, 2026 |
| Property Address | 5135 FERN DR, LORETTO, MN 55357-9508 |
| Document Number | 0A11437927 |
| Instrument Date | Aug 28, 2025 |
| Instrument | A11437927 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5135 FERN DR, LORETTO, MN 55357-9508 |
| Name | Verified Name |
|---|
The 2025 property tax bill for 5135 Fern Dr was $13,038.
Source: Hennepin County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Hennepin County |
| Municipality | Independence City |
| Unified School District | Delano Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,038.00 Homeowner's exemption | $1,005,800 (+3.94%) Land $448,000 Building $557,800 | $1,005,800 (+3.94%) Land $448,000 Building $557,800 |
| 2024 | $967,700 Land $420,000 Building $547,700 | $967,700 Land $420,000 Building $547,700 | |
| 2023 | $11,045.00 Homeowner's exemption | ||
| 2022 | $844,000 Land $371,000 Building $473,000 | $844,000 Land $371,000 Building $473,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5135 Fern Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 5135 Fern Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 80% 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.
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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