Lyon County property record for 324 7th St, Tracy, MN 56175
| Property Type | Single Family Home |
|---|---|
| Details | built 1908 |
| Lot Size | 0.189 acres (8,248 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $64,000 (Aug 2018) |
| Tax Bill | $2,224 (2026) |
| Deeds & Mortgages | May 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-104215-0 |
| Primary APN | 31-104215-0 |
|---|
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Lot Area | 8,248 sqft (0.189 acres) |
| Street Address | 324 7TH ST |
|---|---|
| City | TRACY |
| State | MN |
| Zip | 56175-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2ND RAILWAY ADDITION TO TRACY 01010001 |
| Legal Subdivision | 2ND RAILWAY ADDITION |
| Legal Block | 28 |
| Legal Lot Number | 10 |
| Jurisdiction | LYON MN |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 360700 |
Source: Lyon County records · APN 31-104215-0
Assessment roll updated September 2, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 324 7TH ST, TRACY, MN 56175-1122 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK |
| Aug 31, 2018 | Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2018 · Amount on Record |
| Deed Sale | Aug 31, 2018 · Amount on Record |
| Prior Sale | Jul 11, 2014 |
| Deed Document Number | 2018216663 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON MN |
| Property Address | 324 7TH ST, TRACY, MN 56175-1122 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000008494 |
|---|---|
| Date | May 26, 2020 |
| Instrument | 08494 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LYON MN |
| Recording Date | Aug 31, 2018 |
| Property Address | 324 7TH ST, TRACY, MN 56175-1122 |
| Document Number | 0000216663 |
| Instrument Date | Aug 29, 2018 |
| Instrument | 216663 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $211.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 324 7TH ST, TRACY, MN 56175-1122 |
| Document Number | 0000216664 |
|---|---|
| Date | Aug 31, 2018 |
| Instrument | 216664 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
Source: Lyon County records · Assessment roll updated September 2, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Lyon County |
| Municipality | Tracy City |
| Unified School District | Tracy Area Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,224.00 (+111.01%) | ||
| 2025 | $102,900 (+21.49%) Land $4,400 Building $98,500 | $102,900 (+21.49%) Land $4,400 Building $98,500 | |
| 2023 | $1,054.00 | $84,700 Land $4,200 Building $80,500 | $84,700 Land $4,200 Building $80,500 |
Source: FEMA National Flood Hazard Layer as of May 23, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| Midcontinent Communications Fixed Wireless | 100 / 20 |
May also be available: Clarity Telecom.
Based on FCC filings for 242 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Tracy serves 2,154 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 4 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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