284 2nd St, Tracy, MN 56175 Property Records

Lyon County property record for 284 2nd St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1898
Lot Size	0.117 acres (5,118 sqft)
Owner	Individual Name on Record
Last Sale	$96,500 (Oct 2026)
Tax Bill	$1,326 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-100043-0`

Property Details

APN / Parcel Number

Primary APN	`31-100043-0`

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Lot Area	5,118 sqft (0.117 acres)

Location & Zoning

Street Address	284 2ND ST
City	TRACY
State	MN
Zip	56175-1204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT - TRACY 01010001 N 6 FT L 21 & ALL L 22 BLK 3
Legal Subdivision	ORIGINAL PLAT - TRACY
Legal Block	3
Legal Lot Number	21-22
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2033
Census Tract	360700

Owner

Source: Lyon County records, as of October 21, 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	284 2ND ST, TRACY, MN 56175-1204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 24, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST INDEPENDENT BANK
Jun 24, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2026 · Amount on Record
Deed Sale	Oct 9, 2026 · Amount on Record
Prior Sale	Jun 24, 2020 · Amount on Record
Deed Document Number	202622271
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Oct 9, 2026
Property Address	284 2ND ST, TRACY, MN 56175-1204
Document Number	0000022271
Instrument Date	Oct 6, 2026
Instrument	202622271
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	LYON COUNTY ABSTRACT AND TITLE, LYON COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,163.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	284 2ND ST, TRACY, MN 56175-1204

Mortgage

Document Number	0000022272,
Date	Oct 9, 2026
Instrument	202622272

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Jun 24, 2020
Property Address	284 2ND ST, TRACY, MN 56175-1204
Document Number	220935
Instrument Date	Jun 17, 2020
Instrument	220935
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 2ND ST, TRACY, MN 56175-1204

Mortgage

Document Number	220936
Date	Jun 24, 2020
Instrument	220936

Lender

Name	FIRST INDEPENDENT BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Jun 24, 2020
Property Address	284 2ND ST, TRACY, MN 56175-1204
Document Number	220934
Instrument Date	Mar 26, 2020
Instrument	220934
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
Tax	$74.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	284 2ND ST, TRACY, MN 56175-1204

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	$1,326.00 (+53.83%)	$65,300 (+3.49%) Land $2,500 Building $62,800	$65,300 (+3.49%) Land $2,500 Building $62,800
2025		$63,100 (+47.09%) Land $2,500 Building $60,600	$63,100 (+47.09%) Land $2,500 Building $60,600
2023	$862.00	$42,900 Land $1,700 Building $41,200	$42,900 Land $1,700 Building $41,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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