5175 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5175 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,736 sqft · built 1981
Lot Size	2.86 acres (125,017 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,780 (Jan 2011)
Tax Bill	$7,597 (2025)
Deeds & Mortgages	Dec 2022 Transfer May 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`01-118-24-42-0005`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0005`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,736 sqft Living Area
Gross Area	3,391 sqft
1st Floor Area	1,736 sqft
Basement Area	1,215 sqft
Family Room	Family Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	125,017 sqft
Lot Dimensions	52.6 ft deep x 18.5 ft wide
Terrain	Wooded
View / Lot	Lake Front
Garage Type	Attached
Garage Area	440 sqft
Deck Area	360 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5175 FERN DR
City	LORETTO
State	MN
Zip	55357-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 005 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	5
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	5175 FERN DR, LORETTO, MN 55357-9508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Intrafamily Transfer, Transfer
May 19, 2017	Deed of Trust, Mortgage · Line of Credit JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2011 · Amount on Record
Deed Sale	Jan 25, 2011 · Amount on Record
Prior Sale	Nov 29, 2001 · Amount on Record
Deed Document Number	20111341
Last Transfer Date	Nov 28, 2022
Transfer Doc	0A11168959
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HENNEPIN MN
Recording Date	Dec 12, 2022
Property Address	5175 FERN DR, LORETTO, MN 55357-9508
Document Number	0A11168959
Instrument Date	Nov 28, 2022
Instrument	A11168959
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5175 FERN DR, INDEPENDENCE, MN 55357-9508

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5175 FERN DR, LORETTO, MN 55357-9508
Document Number	0010442957
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5175 FERN DR LORETTO MN 553579508, LORETTO, MN 55357-9508

Mortgage

Document Number	0010442957
Date	May 30, 2017
Instrument	10442957

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	May 29, 2052

Interest

Rate Type	Adjustable Rate

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	$7,597.00 (+17.89%)	$623,400 (+17.84%) Land $288,000 Building $335,400	$623,400 (+17.84%) Land $288,000 Building $335,400
2023	$6,444.00 Homeowner's exemption
2022		$529,000 Land $239,000 Building $290,000	$529,000 Land $239,000 Building $290,000

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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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