254 2nd St, Tracy, MN 56175 Property Records

Lyon County property record for 254 2nd St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1893
Lot Size	0.1 acres (4,374 sqft)
Owner	Individual Name on Record
Last Sale	$69,900 (Mar 2024)
Tax Bill	$454 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-100040-0`

Property Details

APN / Parcel Number

Primary APN	`31-100040-0`

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Lot Area	4,374 sqft (0.1 acres)

Location & Zoning

Street Address	254 2ND ST
City	TRACY
State	MN
Zip	56175-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT - TRACY 01010001
Legal Subdivision	ORIGINAL PLAT - TRACY
Legal Block	3
Legal Lot Number	17
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2033
Census Tract	360700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	254 2ND ST, TRACY, MN 56175-1204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage SOUTHPOINT FCU
Mar 5, 2024	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2024 · Amount on Record
Deed Sale	Mar 5, 2024 · Amount on Record
Prior Sale	Mar 5, 2024 · Amount on Record
Deed Document Number	20241627005
Prior Transfer Date	Mar 28, 2023
Prior Transfer Doc	0000015460
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	254 2ND ST, TRACY, MN 56175-1204
Transaction Type	Mortgage
Record Updated	Jan 27, 2026
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015462
Date	Apr 4, 2023
Instrument	15462

Lender

Name	SOUTHPOINT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2020
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	5-Year CMT
Max Rate	10.2%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Mar 5, 2024
Property Address	254 2ND ST, TRACY, MN 56175-1204
Document Number	0000017258
Instrument Date	Mar 5, 2024
Instrument	17258
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 2ND ST, TRACY, MN 56175-1204

Mortgage

Document Number	0000017259
Date	Mar 5, 2024
Instrument	17259

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Mar 5, 2057

Tax Assessment & Valuation

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	$454.00 (+40.12%)	$66,300 (+3.43%) Land $2,000 Building $64,300	$66,300 (+3.43%) Land $2,000 Building $64,300
2025		$64,100 (+52.26%) Land $2,000 Building $62,100	$64,100 (+52.26%) Land $2,000 Building $62,100
2024	$324.00 (-57.14%)
2023	$756.00	$42,100 Land $1,400 Building $40,700	$42,100 Land $1,400 Building $40,700

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 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

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.

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