761 N 3rd St, Tracy, MN 56175 Property Records

Lyon County property record for 761 N 3rd St, Tracy, MN 56175

Property Summary

Property Type	Single Family Home
Details	built 1950
Lot Size	0.203 acres (8,876 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,812 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`31-128014-0`

Property Details

APN / Parcel Number

Primary APN	`31-128014-0`

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	8,876 sqft (0.203 acres)

Location & Zoning

Street Address	761 N 3RD ST
City	TRACY
State	MN
Zip	56175-1240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASSELMAN'S 1ST ADDITION 01010001
Legal Subdivision	CASSELMAN'S 1ST ADDITION
Legal Block	2
Legal Lot Number	6
Jurisdiction	LYON MN
Township / Civil Division	TRACY
Census Block Group	1
Census Block	1001
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	761 N 3RD ST, TRACY, MN 56175-1240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Dec 19, 2019	Deed of Trust, Mortgage · VA Mortgage PLAINS COMMERCE BANK
Mar 21, 2017	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	761 N 3RD ST, TRACY, MN 56175-1240
Transaction Type	Mortgage
Record Updated	Feb 12, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	220110
Date	Jan 30, 2020
Instrument	220110

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	761 N 3RD ST, TRACY, MN 56175-1240
Transaction Type	Mortgage
Record Updated	Jan 8, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	07811
Date	Dec 19, 2019
Instrument	07811

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYON MN
Property Address	761 N 3RD ST, TRACY, MN 56175-1240
Transaction Type	Mortgage
Record Updated	Apr 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, ER05055
Date	Mar 21, 2017
Instrument	ER05055

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate

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	$1,812.00 (+36.86%)	$124,900 (+3.65%) Land $4,700 Building $120,200	$124,900 (+3.65%) Land $4,700 Building $120,200
2025		$120,500 (+21.72%) Land $4,700 Building $115,800	$120,500 (+21.72%) Land $4,700 Building $115,800
2023	$1,324.00	$99,000 Land $4,700 Building $94,300	$99,000 Land $4,700 Building $94,300

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	Low lower than 97% of the US · lower than 89% 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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