Active
$399,900

5095 Fern Drive, Loretto, MN, 55357

4  Bedrooms3  Bathrooms2,908  Square Feet1  Acres
Days on market0
Year built1973
Garage spaces3
Potential $8,997buyer credit when you buy with SODL
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About this home

Welcome to this exceptional property situated on a private, beautifully wooded 1—acre lot. This home has been meticulously updated, featuring a new roof in 2025, updated gutters with leaf guards, newer windows, and upgraded mechanicals. The main level boasts a bright and inviting kitchen with cabinetry upgrades and Corian countertops, a spacious living room centered around a wood—burning fireplace, and a stunning four-season sunroom complete with skylights. The lower level offers an expansive family room with a cozy wood stove, a dedicated billiard room (pool table included), a workshop, and a bath featuring heated floors. Additional highlights include a walk—out basement, abundant storage space, and a functional layout throughout. A wonderful value offering comfort, privacy, and endless appeal—schedule your showing today !

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1973
LevelsOne
Living area2,908 sqft
Above-grade finished1,736 sqft
Below-grade finished1,172 sqft
Lot size1 acres (1)
Days on market0
ListedNov 5, 2026
MLS #NST7166350
CountyHennepin
SubdivisionFernwood Hills
Parcel #0111824420012

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Baseboard, Boiler, Fireplace(s), In-Floor Heating, Wood Stove
Cooling
Central Air
Appliances
Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Water Filtration System, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
3 spaces · 823 sqft
Parking features
Detached Garage, Gravel, Electric, Garage Door Opener
Patio & porch
Covered, Patio
Exterior features
Cedar
Lot size
1 acres

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 1,736 sqft
Roof
Age 8 Years or Less
Year built
1973

Utilities

Water
4-Inch Submersible
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision
Fernwood Hills
HOA
No HOA
School district
879 - Delano
High school district
Delano

Financial & listing details

Annual tax
$3,673 (2026)
Listed
Nov 5, 2026
Days on market
0
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementBlock, Drainage System, Finished, Full, Partially Finished, Storage Space, Sump Basket, Sump Pump, Walkout
HeatingBaseboard, Boiler, Fireplace(s), In-Floor Heating, Wood Stove
CoolingCentral Air
Fireplaces2
LaundryGas Dryer Hookup, Lower Level, Laundry Room, Sink, Washer Hookup
AppliancesDishwasher, Dryer, Electric Water Heater, Exhaust Fan, Water Filtration System, Range, Refrigerator, Washer, Water Softener Owned
DiningInformal Dining Room, Kitchen/Dining Room, Living/Dining Room, Separate/Formal Dining Room
AmenitiesKitchen Window, Main Floor Primary Bedroom, Patio, Panoramic View, Skylight, Sun Room, Vaulted Ceiling(s), Washer/Dryer Hookup
AccessibilityNone
Special features4 BR on One Level, Main Floor Primary, Main Floor Bedroom

Exterior & lot

ExteriorCedar
RoofAge 8 Years or Less
FoundationBlock
Foundation area1,736 sqft
Patio/porchCovered, Patio
Lot featuresTree Coverage - Medium
Road frontageCity Street, Paved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Gravel, Electric, Garage Door Opener
Garage spaces3
Garage size823 sqft

Financial details

Annual taxes$3,673
Tax year2026
Taxes w/ assessments3673
Assessment pendingNo
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District879 - Delano
District number879
District phone7639723365
High schoolDelano
SODL flat fee brokerage
$8,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $8,997

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,541/mo
Principal & interest$2,102
Property taxes$306
Home insurance (est.)$133
%
$79,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

5095 Fern Drive, Loretto, MN, 55357

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Listing information

MLS #NST7166350
Last reported MLS statusActive
MLS record updatedNov 5, 2026, 2:30 PM
Originally listedNov 5, 2026, 8:29 AM
Listing officeColdwell Banker Realty

Status reflects the latest MLS record available to SODL, not independently confirmed current availability. Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.