Hennepin County property record for 5196 Fern Dr, Loretto, MN 55357
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.75 ba · 1,430 sqft · built 1979 |
| Lot Size | 1.31 acres (57,064 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,432 (2025) |
| Deeds & Mortgages | Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-118-24-42-0015 |
| Primary APN | 01-118-24-42-0015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,430 sqft Living Area |
| Gross Area | 2,198 sqft |
| 1st Floor Area | 1,430 sqft |
| Basement Area | 572 sqft |
| Family Room | Family Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Foyer |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 57,064 sqft |
| Lot Dimensions | 296 ft deep x 16.7 ft wide |
| View / Lot | Lake |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 196 sqft |
| Deck Area | 304 sqft |
| Patio Area | 304 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Street Address | 5196 FERN DR |
|---|---|
| City | LORETTO |
| State | MN |
| Zip | 55357-9508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 001 BLOCK 002 A FERNWOOD HILLS W168X296X217X300 |
| Legal Range | 24 |
| Legal Township | 118 |
| Legal Section | 01 |
| Legal Quarter | 42 |
| Legal Subdivision | FERNWOOD HILLS |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | HENNEPIN MN |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 27002 |
5196 Fern Dr is owned and occupied by two individuals.
Source: Hennepin County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5196 FERN DR, LORETTO, MN 55357-9508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HENNEPIN MN |
| Property Address | 5196 FERN DR, LORETTO, MN 55357-9508 |
| Document Number | 0010759370 |
| Instrument Date | Feb 1, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5196 FERN DR INDEPENDENCE MN 553579508, INDEPENDENCE, MN 55357-9508 |
| Document Number | 0010759370 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 10759370 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 23, 2040 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 5196 Fern Dr was $4,432 with a homeowner's exemption.
Source: Hennepin County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Hennepin County |
| Municipality | Independence City |
| Unified School District | Delano Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,432.00 | $389,400 Land $135,000 Building $254,400 | $389,400 Land $135,000 Building $254,400 |
| 2023 | $4,453.00 Homeowner's exemption | ||
| 2022 | $373,000 Land $120,000 Building $253,000 | $373,000 Land $120,000 Building $253,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5196 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 risk around 5196 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.
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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