738 Center St, Tracy, MN 56175 Property Records

Lyon County property record for 738 Center St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1958
Lot Size	0.177 acres (7,748 sqft)
Owner	Individual Name on File
Last Sale	$145,263 (May 2026)
Tax Bill	$2,556 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-114006-0`

Property Details

APN / Parcel Number

Primary APN	`31-114006-0`

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	7,748 sqft (0.177 acres)

Location & Zoning

Street Address	738 CENTER ST
City	TRACY
State	MN
Zip	56175-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOSES 2ND ADDITION 01010001 N2 LOT 7 & 8 BLK 1
Legal Subdivision	MOSES 2ND ADDITION
Legal Block	1
Legal Lot Number	7
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	3
Census Block	3014
Census Tract	360700

Owner

738 Center St is owned and occupied by an individual who bought it in May 2026.

Source: Lyon County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	738 CENTER ST, TRACY, MN 56175-1315
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage LYON COUNTY ABSTRACT AND TITLE, LYON COUNTY ABSTRACT & TITLE
Jul 19, 2023	Warranty Deed, Transfer · Conventional Mortgage CURRIE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Prior Sale	Jul 28, 2023 · Amount on File
Deed Document Number	202621362
Prior Transfer Date	Jul 27, 2023
Prior Transfer Doc	0000016194
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	May 1, 2026
Property Address	738 CENTER ST, TRACY, MN 56175-1315
Document Number	0000021362
Instrument Date	Apr 30, 2026
Instrument	2026.21362
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	LYON COUNTY ABSTRACT AND TITLE, LYON COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,416.37
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	738 CENTER ST, TRACY, MN 56175-1315

Mortgage

Document Number	0000021363,
Date	May 1, 2026
Instrument	2026.21363

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LYON MN
Recording Date	Jul 19, 2023
Property Address	738 CENTER ST, TRACY, MN 56175-1315
Document Number	0000016127
Instrument Date	Jul 19, 2023
Instrument	16127
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	BV ABSTRACT AND TITLE, ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	738 CENTER ST, TRACY, MN 56175-1315

Mortgage

Document Number	0000016128
Date	Jul 19, 2023
Instrument	16128

Lender

Name	CURRIE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	62 Months
Due	Sep 19, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 738 Center St was $2,556, up 6.9% from the year before.

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	$2,556.00 (+6.86%)	$123,300 (+3.96%) Land $6,100 Building $117,200	$123,300 (+3.96%) Land $6,100 Building $117,200
2025	$2,392.00	$118,600 Land $6,100 Building $112,500	$118,600 Land $6,100 Building $112,500
2023	$50.00	$85,000 Land $7,400 Building $77,600	$85,000 Land $7,400 Building $77,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 738 Center St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 738 Center St is low, with less than a 0.01% annual chance of 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.

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