5178 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5178 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 1,200 sqft · built 1986
Lot Size	1.13 acres (49,658 sqft)
Owner	Individual Name on Record
Tax Bill	$4,020 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-118-24-42-0018`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0018`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	1,200 sqft
Basement Area	720 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,658 sqft
Lot Dimensions	321 ft deep x 17 ft wide
Garage Type	Attached
Garage Area	576 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5178 FERN DR
City	LORETTO
State	MN
Zip	55357-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 004 BLOCK 002 A FERNWOOD HILLS W150X321X216X270
Legal Range	24
Legal Township	118
Legal Section	01
Legal Quarter	42
Legal Subdivision	FERNWOOD HILLS
Legal Block	2
Legal Lot Number	4
Jurisdiction	HENNEPIN MN
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3006
Census Tract	27002

Owner

Source: Hennepin County records, as of June 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	5178 FERN DR, LORETTO, MN 55357-9508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jan 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5178 FERN DR, LORETTO, MN 55357-9508
Document Number	0010839549
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5178 FERN DR LORETTO MN 553579508, LORETTO, MN 55357-9508

Mortgage

Document Number	0010839549
Date	Sep 16, 2020
Instrument	10839549

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2040

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5178 FERN DR, LORETTO, MN 55357-9508
Document Number	0010405638
Instrument Date	Jan 19, 2017
Transaction Type	Mortgage
Record Updated	Feb 2, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5178 FERN DR INDEPENDENCE MN 553579508, INDEPENDENCE, MN 55357-9508

Mortgage

Document Number	0010405638
Date	Jan 25, 2017
Instrument	10405638

Lender

Name	PLAZA HM MTG
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2047

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	$4,020.00 (+2.84%)	$356,700 (+7.76%) Land $135,000 Building $221,700	$356,700 (+7.76%) Land $135,000 Building $221,700
2023	$3,909.00 Homeowner's exemption
2022		$331,000 Land $120,000 Building $211,000	$331,000 Land $120,000 Building $211,000

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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	0.02% 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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