Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $6,374 (2026).

What school district is this property in?

This property is in the 879 - Delano school district.

How long has this property been on the market?

This property has been listed for 46 days.

Listed at

$699,000

Fernwood Hills

5125 Fern Drive, Loretto, MN, 55357

1.45 Acres

Days on market46

TypeLand

Est. $17,970buyer credit when you buy with SODL

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About this home

A beautifully usable, level large building site offers exceptional flexibility for a custom residence, while the elevated shoreline position captures sweeping, unobstructed lake vistas. A secluded wooded shoreline enclave enhances the sense of privacy, creating a serene natural retreat—an ideal setting to unwind in quiet shade, enjoy the water’s edge, and experience the refined seclusion of a northwoods-inspired lakefront escape. Rare 1.45-acre west-facing shoreline parcel with 150 feet of frontage on Lake Sarah, offering a distinguished combination of privacy, commanding lake views, and exceptional sunset exposure. A truly rare, legacy-caliber homesite within one of the west metro’s most sought-after lake settings. Custom designed tiered deck and stiars leads to the shoreline, where Lake Sarah is known for its friendly lake culture, boating recreation, and excellent fishing. An extraordinary opportunity to create a beautiful lake home in a stunning and highly private natural setting.

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Home facts

Property typeLand

Lot size1.45 acres (150x290x139x262)

Days on market46

ListedAug 13, 2026

MLS #NST7126869

CountyHennepin

SubdivisionFernwood Hills

Parcel #0111824420010

Facts & features

Interior

Bathrooms: 0

Property

View: Lake, Panoramic, West
Waterfront: Dock, Lake Front, Lake View
Lot size: 1.45 acres
Lot dimensions: 150x290x139x262
Lot features: Accessible Shoreline, Cleared, Tree Coverage - Medium
Road frontage: City Street

Construction

Property type: Land

Utilities

Utilities: Electricity Available, Natural Gas Available, None Connected, Sewer Available

Community & HOA

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

Financial & listing details

Annual tax: $6,374 (2026)
Listed: Aug 13, 2026
Days on market: 46
Inclusions: Dock,Survey

Interior details

Total bathrooms0

Exterior & lot

Lot featuresAccessible Shoreline, Cleared, Tree Coverage - Medium

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Parking & garage

Financial details

Annual taxes$6,374

Tax year2026

Taxes w/ assessments6374

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District879 - Delano

District number879

District phone7639723365

High schoolDelano

SODL flat fee brokerage

$17,970Estimated buyer credit

SODL platform fee $3,000Your buyer credit $17,970

Buyer-side commission

3.0%

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

$4,438/mo

Principal & interest$3,674

Property taxes$531

Home insurance (est.)$233

Down payment

$139,800

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.