Lyon County property record for 549 4th St, Tracy, MN 56175 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | built 1974 |
| Lot Size | 0.174 acres (7,588 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (May 2023) |
| Tax Bill | $2,824 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-104134-0 |
| Primary APN | 31-104134-0 |
|---|
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Lot Area | 7,588 sqft (0.174 acres) |
| Street Address | 549 4TH ST |
|---|---|
| City | TRACY |
| State | MN |
| Zip | 56175-1247 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2ND RAILWAY ADDITION TO TRACY 01010001 |
| Legal Subdivision | 2ND RAILWAY ADDITION |
| Legal Block | 20 |
| Legal Lot Number | 8 |
| Jurisdiction | LYON MN |
| Township / Civil Division | TRACY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 360700 |
Source: Lyon County records · APN 31-104134-0
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 | Individual Name on File |
|---|---|
| Mailing Address | 549 4TH ST, TRACY, MN 56175-1247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST INDEPENDENT BANK |
| May 10, 2023 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL FCU |
| May 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage TRUSTONE FINANCIAL FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 10, 2023 · Amount on Record |
| Deed Sale | May 10, 2023 · Amount on Record |
| Prior Sale | Jun 08, 2016 · Amount on Record |
| Deed Document Number | 202315629 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON MN |
| Property Address | 549 4TH ST, TRACY, MN 56175-1247 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000222741 |
|---|---|
| Date | Apr 06, 2021 |
| Instrument | 222741 |
| Name | FIRST INDEPENDENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LYON MN |
| Property Address | 549 4TH ST, TRACY, MN 56175-1247 |
| Transaction Type | Mortgage |
| Record Updated | Jul 18, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000015631 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 15631 |
| Name | TRUSTONE FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LYON MN |
| Recording Date | May 10, 2023 |
| Property Address | 549 4TH ST, TRACY, MN 56175-1247 |
| Document Number | 0000015629 |
| Instrument Date | May 09, 2023 |
| Instrument | 15629 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2023 |
| Title Company | ABSTRACT & TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 549 4TH ST, TRACY, MN 56175-1247 |
| Document Number | 0000015630 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 15630 |
| Name | TRUSTONE FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
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 | $2,824.00 (+6.41%) | ||
| 2025 | $2,654.00 (+59.3%) | $131,000 (+22.77%) Land $5,800 Building $125,200 | $131,000 (+22.77%) Land $5,800 Building $125,200 |
| 2023 | $1,666.00 (+34.79%) | $106,700 (+10.68%) Land $4,000 Building $102,700 | $106,700 (+10.68%) Land $4,000 Building $102,700 |
| 2022 | $1,236.00 | $96,400 Land $4,000 Building $92,400 | $96,400 Land $4,000 Building $92,400 |
Source: FEMA National Flood Hazard Layer, Lyon County (27083C), updated May 23, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 358 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| LTD Broadband | Fixed Wireless (licensed-by-rule) | 150 / 130 |
| Midcontinent Communications | Fixed Wireless | 100 / 20 |
May also be available at this address: Clarity Telecom. Availability varies by address; speeds are provider-advertised maximums, not measured.
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