Lyon County property record for 431 Spring St, Tracy, MN 56175
| Property Type | Single Family Home |
|---|---|
| Details | built 1984 |
| Lot Size | 0.321 acres (13,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,500 (Jul 2023) |
| Tax Bill | $4,148 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-108010-1 |
| Primary APN | 31-108010-1 |
|---|
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Lot Area | 13,996 sqft (0.321 acres) |
| Street Address | 431 SPRING ST |
|---|---|
| City | TRACY |
| State | MN |
| Zip | 56175-1638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COWLES & DAVIS ADDITION 01010001 LOTS 4 & 5 BLK 2 |
| Legal Subdivision | COWLES & DAVIS ADDITION |
| Legal Block | 2 |
| Legal Lot Number | 4-5 |
| Jurisdiction | LYON MN |
| Township / Civil Division | TRACY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 360700 |
Source: Lyon County records · APN 31-108010-1
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 | 431 SPRING ST, TRACY, MN 56175-1638 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage USAA FSB |
| Dec 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage CURRIE STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 19, 2023 · Amount on Record |
| Deed Sale | Jul 19, 2023 · Amount on Record |
| Prior Sale | Dec 15, 2020 · Amount on Record |
| Deed Document Number | 202316123 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON MN |
| Property Address | 431 SPRING ST, TRACY, MN 56175-1638 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2023 |
| Title Company | BV ABSTRACT AND TITLE, ABSTRACT & TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000016124 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | 16124 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LYON MN |
| Recording Date | Dec 15, 2020 |
| Property Address | 431 SPRING ST, TRACY, MN 56175-1638 |
| Document Number | 10150 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 10150 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Title Company | MURRAY COUNTY ABSTRACT & TIT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $537.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 431 SPRING ST, TRACY, MN 56175-1638 |
| Document Number | 10151 |
|---|---|
| Date | Dec 15, 2020 |
| Instrument | 10151 |
| Name | CURRIE STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,148.00 (+17.71%) | ||
| 2025 | $227,700 (+18.35%) Land $7,700 Building $220,000 | $227,700 (+18.35%) Land $7,700 Building $220,000 | |
| 2023 | $3,524.00 | $192,400 Land $7,400 Building $185,000 | $192,400 Land $7,400 Building $185,000 |
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 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 | 1,000 / 1,000 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| Midcontinent Communications Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 66 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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