5155 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5155 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,738 sqft · built 1976
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$498,000 (Sep 2018)
Tax Bill	$10,691 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-118-24-42-0007`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,738 sqft Living Area
Gross Area	3,533 sqft
1st Floor Area	1,738 sqft
Basement Area	919 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,776 sqft
Lot Dimensions	27.7 ft deep x 15 ft wide
Terrain	Wooded
View / Lot	Lake Front
Garage Type	Attached
Garage Area	675 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	277 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	5155 FERN DR
City	LORETTO
State	MN
Zip	55357-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 007 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	7
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	5155 FERN DR, LORETTO, MN 55357-9508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANFLIGHT LENDING LLC
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage NBKC BK
Sep 28, 2018	Warranty Deed, Transfer · Conventional with PMI BELL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Oct 27, 2014 · Amount on Record
Deed Document Number	201810597262
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5155 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	0A10945344
Date	Apr 12, 2021
Instrument	A10945344

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5155 FERN DR, LORETTO, MN 55357-9508
Document Number	0010770852
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5155 FERN DR LORETTO MN 553579508, LORETTO, MN 55357-9508

Mortgage

Document Number	0010770852
Date	Apr 1, 2020
Instrument	10770852

Lender

Name	NBKC BK
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 28, 2018
Property Address	5155 FERN DR, LORETTO, MN 55357-9508
Document Number	0010597262
Instrument Date	Sep 26, 2018
Instrument	10597262
Transaction Type	Transfer
Record Updated	Oct 15, 2018
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,693.20
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	5155 FERN DR INDEPENDENCE MN 553579508, INDEPENDENCE, MN 55357-9508

Mortgage

Document Number	10597263
Date	Sep 28, 2018
Instrument	10597263

Lender

Name	BELL BK
Address	FARGO, ND 58103

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

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	$10,691.00 (+15.59%)	$840,900 (+16.63%) Land $448,000 Building $392,900	$840,900 (+16.63%) Land $448,000 Building $392,900
2023	$9,249.00 Homeowner's exemption
2022		$721,000 Land $371,000 Building $350,000	$721,000 Land $371,000 Building $350,000

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
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

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.

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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