32 Morgan St, Tracy, MN 56175 Property Records

Lyon County property record for 32 Morgan St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1925
Lot Size	0.25 acres (10,921 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (May 2025)
Tax Bill	$848 (2026)
Deeds & Mortgages	May 2025 Sale & Mortgage Sep 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`31-104352-0`

Property Details

APN / Parcel Number

Primary APN	`31-104352-0`

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	10,921 sqft (0.25 acres)

Location & Zoning

Street Address	32 MORGAN ST
City	TRACY
State	MN
Zip	56175-1320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND RAILWAY ADDITION TO TRACY 01010001 E2 LOT 3 & ALL LOT 4 BLK 48 & ALL LOT 5
Legal Subdivision	2ND RAILWAY ADDITION
Legal Block	48
Legal Lot Number	3-5
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2030
Census Tract	360700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	32 MORGAN ST, TRACY, MN 56175-1320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 23, 2025	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Sep 20, 2024	Warranty Deed, Transfer · FHA Mortgage JP MORGAN CHASE BANK
Sep 20, 2024	Warranty Deed, Transfer BV ABSTRACT AND TITLE, ABSTRACT & TITLE
Mar 7, 2018	Contract Sale, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2025 · Amount on Record
Deed Sale	May 23, 2025 · Amount on Record
Prior Sale	Sep 20, 2024 · Amount on Record
Deed Document Number	202519613
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	May 23, 2025
Property Address	32 MORGAN ST, TRACY, MN 56175-1320
Document Number	0000019613
Instrument Date	May 20, 2025
Instrument	19613
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$379.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 MORGAN ST, TRACY, MN 56175-1320

Mortgage

Document Number	0000019614
Date	May 23, 2025
Instrument	19614

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Sep 20, 2024
Property Address	32 MORGAN ST, TRACY, MN 56175-1320
Document Number	0000018382
Instrument Date	Sep 20, 2024
Instrument	18382
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.32
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 MORGAN ST, TRACY, MN 56175-1320

Mortgage

Document Number	0000018383
Date	Sep 20, 2024
Instrument	18383

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Sep 20, 2024
Property Address	32 MORGAN ST, TRACY, MN 56175-1320
Document Number	0000018381
Instrument Date	Sep 17, 2024
Instrument	18381
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$95.70
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 with Right of Survivorship
Address	574 3RD ST, TRACY, MN 56175-1217

March 2018: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	LYON MN
Recording Date	Mar 7, 2018
Property Address	32 MORGAN ST, TRACY, MN 56175-1320
Document Number	0000215332
Instrument Date	Mar 2, 2018
Instrument	215332
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

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	$848.00 (+17.13%)	$73,700 (+22.83%) Land $4,600 Building $69,100	$73,700 (+22.83%) Land $4,600 Building $69,100
2025	$724.00	$60,000 (+26.58%) Land $4,600 Building $55,400	$60,000 (+26.58%) Land $4,600 Building $55,400
2024	$724.00 (-24.27%)
2023	$956.00	$47,400 Land $4,000 Building $43,400	$47,400 Land $4,000 Building $43,400

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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