5180 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5180 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,312 sqft · built 1976
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2021)
Tax Bill	$5,428 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-118-24-42-0017`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0017`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Building Area	1,312 sqft Living Area
Gross Area	3,423 sqft
1st Floor Area	1,312 sqft
Basement Area	1,050 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	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,094 sqft
Lot Dimensions	262 ft deep x 15 ft wide
Garage Type	Attached
Garage Area	806 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	315 sqft
Deck Area	236 sqft
Patio Area	236 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	5180 FERN DR
City	LORETTO
State	MN
Zip	55357-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLOCK 002 A FERNWOOD HILLS W150X262X211X321
Legal Range	24
Legal Township	118
Legal Section	01
Legal Quarter	42
Legal Subdivision	FERNWOOD HILLS
Legal Block	2
Legal Lot Number	3
Jurisdiction	HENNEPIN MN
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3006
Census Tract	27002

Owner

5180 Fern Dr is owned and occupied by two individuals who bought it in September 2021.

Source: Hennepin County records, as of June 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5180 FERN DR, LORETTO, MN 55357-9508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Feb 11, 2021	Affidavit of Death of Joint Tenant, Transfer
Feb 11, 2021	Transfer on Death Deed, Transfer
Mar 29, 2017	Loan Modification, Mortgage · Line of Credit TWENTY FIRST CENTURY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2021 · Amount on File
Deed Sale	Sep 15, 2021 · Amount on File
Deed Document Number	202111017948
Prior Transfer Date	Feb 11, 2021
Prior Transfer Doc	0010918075
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 15, 2021
Property Address	5180 FERN DR, LORETTO, MN 55357-9508
Document Number	0A11017948
Instrument Date	Jun 9, 2021
Instrument	A11017948
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6180 FERN DRIVE, INDEPENDENCE, MN 55357

Mortgage

Document Number	0A11017949
Date	Sep 15, 2021
Instrument	A11017949

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2051

February 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HENNEPIN MN
Recording Date	Feb 11, 2021
Property Address	5180 FERN DR, LORETTO, MN 55357-9508
Document Number	0A10918075
Instrument Date	Jan 29, 2021
Instrument	A10918075
Transaction Type	Transfer
Record Updated	May 27, 2021

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
Address	5180 FERN DR, LORETTO, MN 55357-9508

February 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HENNEPIN MN
Recording Date	Feb 11, 2021
Property Address	5180 FERN DR, LORETTO, MN 55357-9508
Document Number	0A10918076
Instrument Date	Jan 18, 2021
Instrument	A10918076
Transaction Type	Transfer
Record Updated	May 27, 2021

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

March 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENNEPIN MN
Property Address	5180 FERN DR, LORETTO, MN 55357-9508
Document Number	0010430368
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5180 FERN DR LORETTO MN 553579508, LORETTO, MN 55357-9508

Mortgage

Document Number	0010430368
Date	Apr 11, 2017
Instrument	10430368

Lender

Name	TWENTY FIRST CENTURY BK
Type	Bank
Address	MINNEAPOLIS, MN 55401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Apr 10, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 5180 Fern Dr was $5,428 with a homeowner's exemption.

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	$5,428.00	$468,500 Land $135,000 Building $333,500	$468,500 Land $135,000 Building $333,500
2023	$5,225.00 Homeowner's exemption
2022		$434,000 Land $120,000 Building $314,000	$434,000 Land $120,000 Building $314,000

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

Flood

FEMA maps place 5180 Fern Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5180 Fern Dr is low, with a 0.02% annual chance of 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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