25 Morgan St, Tracy, MN 56175 Property Records

Lyon County property record for 25 Morgan St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1903
Lot Size	0.202 acres (8,807 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Mar 2026)
Tax Bill	$1,628 (2026)
Deeds & Mortgages	Mar 2012 Mortgage May 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-104348-0`

Property Details

APN / Parcel Number

Primary APN	`31-104348-0`

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Lot Area	8,807 sqft (0.202 acres)

Location & Zoning

Street Address	25 MORGAN ST
City	TRACY
State	MN
Zip	56175-1321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND RAILWAY ADDITION TO TRACY 01010001 LOTS 23, 24 BL 47
Legal Subdivision	2ND RAILWAY ADDITION
Legal Lot Number	23-24
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2042
Census Tract	360700

Owner

25 Morgan St is owned and occupied by two individuals who bought it in March 2026.

Source: Lyon County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 MORGAN ST, TRACY, MN 56175-1321
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
Mar 12, 2012	Deed of Trust, Mortgage FIRST INDEPENDENT BANK
May 21, 2012	Deed of Trust, Mortgage CITY OF TRACY
Mar 6, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Feb 27, 2024	Personal Representative Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2026 · Amount on File
Deed Sale	Mar 6, 2026 · Amount on File
Prior Sale	Feb 27, 2024 · Amount on File
Deed Document Number	202621113
Record Updated	Oct 29, 2026

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	25 MORGAN ST, TRACY, MN 56175-1321
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 MORGAN ST, TRACY, MN 56175-1321

Mortgage

Document Number	0000194271
Date	Mar 12, 2012
Instrument	194271

Lender

Name	FIRST INDEPENDENT BANK
Type	Bank
Address	108 3RD ST, BALATON, MN 56115

Agreement

Amount	Amount on Record
Term	36 Months
Due	Mar 5, 2015

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	25 MORGAN ST, TRACY, MN 56175-1321
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000195153
Date	May 21, 2012
Instrument	195153

Lender

Name	CITY OF TRACY
Address	TRACY, MN 56175

Agreement

Amount	Amount on Record
Term	118 Months
Due	Mar 5, 2022

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Mar 6, 2026
Property Address	25 MORGAN ST, TRACY, MN 56175-1321
Document Number	0000021113
Instrument Date	Feb 27, 2026
Instrument	21113
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$353.10
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 with Right of Survivorship
Address	25 MORGAN ST, TRACY, MN 56175-1321

Mortgage

Document Number	0000021114
Date	Mar 6, 2026
Instrument	21114

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

February 2024: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	LYON MN
Recording Date	Feb 27, 2024
Property Address	25 MORGAN ST, TRACY, MN 56175-1321
Document Number	0000017225
Instrument Date	Feb 23, 2024
Instrument	17225
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313.50
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 with Right of Survivorship
Address	25 MORGAN ST, TRACY, MN 56175-1321

Mortgage

Document Number	0000017226
Date	Feb 27, 2024
Instrument	17226

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 25 Morgan St was $1,628.

Source: Lyon County assessment roll, as of September 1, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Lyon County
Municipality	Tracy City
Unified School District	Tracy Area Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,628.00	$80,200 (+3.48%) Land $4,100 Building $76,100	$80,200 (+3.48%) Land $4,100 Building $76,100
2025		$77,500 Land $4,100 Building $73,400	$77,500 Land $4,100 Building $73,400
2023	$806.00	$62,600 Land $2,700 Building $59,900	$62,600 Land $2,700 Building $59,900

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

Flood

FEMA maps place 25 Morgan St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 23, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 25 Morgan St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Tracy serves 2,154 people · EPA ID MN1420010
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	4 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 192 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20

May also be available: Bluepeak.

Nearby Properties on Morgan St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures