437 7th St, Tracy, MN 56175 Property Records

Lyon County property record for 437 7th St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1908
Lot Size	0.189 acres (8,248 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Dec 2023)
Tax Bill	$2,550 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-104252-0`

Property Details

APN / Parcel Number

Primary APN	`31-104252-0`

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Lot Area	8,248 sqft (0.189 acres)

Location & Zoning

Street Address	437 7TH ST
City	TRACY
State	MN
Zip	56175-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2ND RAILWAY ADDITION TO TRACY 01010001
Legal Subdivision	2ND RAILWAY ADDITION
Legal Block	32
Legal Lot Number	3
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1015
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	437 7TH ST, TRACY, MN 56175-1123
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE
Dec 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE
May 11, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2023 · Amount on Record
Deed Sale	Dec 21, 2023 · Amount on Record
Prior Sale	May 11, 2021 · Amount on Record
Deed Document Number	202316972
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	437 7TH ST, TRACY, MN 56175-1123
Transaction Type	Mortgage
Record Updated	Jan 10, 2024
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016973
Date	Dec 21, 2023
Instrument	16973

Lender

Name	PROSPERITY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2054

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	437 7TH ST, TRACY, MN 56175-1123
Transaction Type	Mortgage
Record Updated	Jan 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016974
Date	Dec 21, 2023
Instrument	16974

Lender

Name	PROSPERITY HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 1, 2034

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	May 11, 2021
Property Address	437 7TH ST, TRACY, MN 56175-1123
Document Number	0000222974
Instrument Date	Apr 28, 2021
Instrument	222974
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Amount	Amount Recorded
Tax	$204.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 EASTBAY AVE, BALATON, MN 56115-4800

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	$2,550.00 (+34.07%)	$122,700 (+3.72%) Land $5,400 Building $117,300	$122,700 (+3.72%) Land $5,400 Building $117,300
2025		$118,300 (+20.71%) Land $5,400 Building $112,900	$118,300 (+20.71%) Land $5,400 Building $112,900
2023	$1,902.00	$98,000 Land $4,200 Building $93,800	$98,000 Land $4,200 Building $93,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

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 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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