5145 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5145 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,734 sqft · built 2016
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jun 2016)
Tax Bill	$12,484 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-118-24-42-0008`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,734 sqft Living Area
1st Floor Area	1,354 sqft
2nd Floor Area	1,380 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Colonial
Lot Area	52,272 sqft
Lot Width	15 ft Width
View / Lot	Lake Front

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	5145 FERN DR
City	LORETTO
State	MN
Zip	55357-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 008 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	8
Jurisdiction	HENNEPIN MN
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3005
Census Tract	27002

Owner

Source: Hennepin County records · APN 01-118-24-42-0008

Assessment roll updated June 23, 2026 · Last verified July 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 File
Mailing Address	5145 FERN DR, LORETTO, MN 55357-9508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANFLIGHT LENDING LLC
May 19, 2017	Deed of Trust, Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 15, 2016 · Amount on Record
Deed Sale	Jun 15, 2016 · Amount on Record
Deed Document Number	201610323341
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5145 FERN DR, LORETTO, MN 55357-9508
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0A10947780
Date	Apr 16, 2021
Instrument	A10947780

Lender

Name	LOANFLIGHT LENDING LLC
Type	Mortgage Company
Address	TAMPA, FL 33602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5145 FERN DR, LORETTO, MN 55357-9508
Document Number	0010442059
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5145 FERN DR INDEPENDENCE MN 553579508, INDEPENDENCE, MN 55357-9508

Mortgage

Document Number	0010442059
Date	May 25, 2017
Instrument	10442059

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 24, 2047

Tax Assessment & Valuation

Source: Hennepin County records · Assessment roll updated June 23, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,484.00 (+17.7%)	$966,900 (+18.78%) Land $448,000 Building $518,900	$966,900 (+18.78%) Land $448,000 Building $518,900
2023	$10,607.00 Homeowner's exemption
2022		$814,000 Land $371,000 Building $443,000	$814,000 Land $371,000 Building $443,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hennepin County (27053C), as of December 25, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270530270023, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 44 locations within half a mile of this property.

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