285 5th St, Tracy, MN 56175 Property Records

Lyon County property record for 285 5th St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1968
Lot Size	0.241 acres (10,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Sep 2023)
Tax Bill	$4,536 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-102045-0`

Property Details

APN / Parcel Number

Primary APN	`31-102045-0`

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	10,497 sqft (0.241 acres)

Location & Zoning

Street Address	285 5TH ST
City	TRACY
State	MN
Zip	56175-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST RAILWAY ADDITION TO TRACY 01010001 E 105 FT LOT 1 & E 105 FT OF N2 LOT 2 BLK 5
Legal Subdivision	1ST RAILWAY ADDITION
Legal Block	5
Legal Lot Number	1-2
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2021
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	2 Individual Names on Record
Mailing Address	285 5TH ST, TRACY, MN 56175-1105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage HOME TOWN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	202316484
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	285 5TH ST, TRACY, MN 56175-1105
Transaction Type	Mortgage
Record Updated	Oct 11, 2023
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016485
Date	Sep 20, 2023
Instrument	16485

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Jun 21, 2021
Property Address	285 5TH ST, TRACY, MN 56175-1105
Document Number	0000011669
Instrument Date	Jun 18, 2021
Instrument	11669
Transaction Type	Transfer
Record Updated	Mar 9, 2023
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	$524.70
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
Address	285 5TH ST, TRACY, MN 56175-1105

Mortgage

Document Number	0000011670
Date	Jun 21, 2021
Instrument	11670

Lender

Name	HOME TOWN BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$4,536.00 (+7.03%)	$217,800 (+3.66%) Land $7,000 Building $210,800	$217,800 (+3.66%) Land $7,000 Building $210,800
2025	$4,238.00 (+57.9%)	$210,100 (+38.31%) Land $7,000 Building $203,100	$210,100 (+38.31%) Land $7,000 Building $203,100
2023	$2,684.00	$151,900 Land $8,900 Building $143,000	$151,900 Land $8,900 Building $143,000

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	Low lower than 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 242 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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