5185 Fern Dr, Loretto, MN 55357 Property Records

Hennepin County property record for 5185 Fern Dr, Loretto, MN 55357

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,244 sqft · built 1975
Lot Size	1.23 acres (54,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$450,000 (Sep 2023)
Tax Bill	$5,229 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-118-24-42-0004`

Property Details

APN / Parcel Number

Primary APN	`01-118-24-42-0004`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Building Area	1,244 sqft Living Area
Gross Area	2,611 sqft
1st Floor Area	1,244 sqft
Basement Area	883 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	54,014 sqft
Lot Dimensions	275 ft deep x 30 ft wide
View / Lot	Lake
Garage Type	Attached
Garage Area	484 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Space Heater

Location & Zoning

Street Address	5185 FERN DR
City	LORETTO
State	MN
Zip	55357-9508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 004 BLOCK 001 A FERNWOOD HILLS SE336X275X404
Legal Range	24
Legal Township	118
Legal Section	01
Legal Quarter	42
Legal Subdivision	FERNWOOD HILLS
Legal Block	1
Legal Lot Number	4
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	5185 FERN DR, LORETTO, MN 55357-9508
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 18, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2023 · Amount on Record
Deed Sale	Sep 18, 2023 · Amount on Record
Deed Document Number	202311231313
Prior Transfer Date	Jun 24, 2011
Prior Transfer Doc	0009668968
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5185 FERN DR, LORETTO, MN 55357-9508
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5185 FERN DR, LORETTO, MN 55357-9508

Mortgage

Document Number	0A11435365
Date	Jan 23, 2026
Instrument	A11435365

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HENNEPIN MN
Recording Date	Sep 18, 2023
Property Address	5185 FERN DR, LORETTO, MN 55357-9508
Document Number	0A11231313
Instrument Date	Sep 5, 2023
Instrument	A11231313
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
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	5185 FERN DR, INDEPENDENCE, MN 55357-9508

Mortgage

Document Number	0A11231314
Date	Sep 18, 2023
Instrument	A11231314

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENNEPIN MN
Property Address	5185 FERN DR, LORETTO, MN 55357-9508
Document Number	0010446018
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5185 FERN DR LORETTO MN 553579508, LORETTO, MN 55357-9508

Mortgage

Document Number	0010446018
Date	Jun 6, 2017
Instrument	10446018

Lender

Name	LIBERTY SVGS
Type	Federal Savings Bank
Address	WILMINGTON, OH 45177

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 5, 2032

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	$5,229.00 (+7.7%)	$452,700 (+12.05%) Land $148,500 Building $304,200	$452,700 (+12.05%) Land $148,500 Building $304,200
2023	$4,855.00 Homeowner's exemption
2022		$404,000 Land $132,000 Building $272,000	$404,000 Land $132,000 Building $272,000

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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