401 2nd St, Tracy, MN 56175 Property Records

Lyon County property record for 401 2nd St, Tracy, MN 56175

Property Summary

Property Type	Triplex
Details	built 1935
Lot Size	0.176 acres (7,670 sqft)
Owner	Individual Name on Record
Tax Bill	$3,596 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-104061-0`

Property Details

APN / Parcel Number

Primary APN	`31-104061-0`

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Triplex
Lot Area	7,670 sqft (0.176 acres)

Location & Zoning

Street Address	401 2ND ST
City	TRACY
State	MN
Zip	56175-1207
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	2ND RAILWAY ADDITION TO TRACY 01010001 S2 LOTS 7, 8 BLK 14
Legal Subdivision	2ND RAILWAY ADDITION
Legal Block	14
Legal Lot Number	7-8
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	2
Census Block	2013
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	401 2ND ST, TRACY, MN 56175-1207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 15, 2018	Deed of Trust, Mortgage · SBA Mortgage US SMALL BUSINESS ADMINISTRATION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	401 2ND ST, TRACY, MN 56175-1207
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016100
Date	Jul 17, 2023
Instrument	16100

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2043

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	401 2ND ST, TRACY, MN 56175-1207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	217263
Date	Nov 15, 2018
Instrument	217263

Lender

Name	US SMALL BUSINESS ADMINISTRATION
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2048

Interest

Rate	3.87%

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	$3,596.00 (+20.03%)	$172,500 (+2.25%) Land $5,700 Building $166,800	$172,500 (+2.25%) Land $5,700 Building $166,800
2025		$168,700 (+16.26%) Land $5,700 Building $163,000	$168,700 (+16.26%) Land $5,700 Building $163,000
2023	$2,996.00	$145,100 Land $6,500 Building $138,600	$145,100 Land $6,500 Building $138,600

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 99.1% of the US · lower than 96% 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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
Midco Fixed Wireless	100 / 20

May also be available: Bluepeak.

Nearby Properties on 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures