Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $3,730 (2025).

What school district is this property in?

This property is in the 2904 - Tracy Area school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 67 days.

Listed at

$230,000

$115/sqft

Cowles & Davis Add

431 Spring Street, Tracy, MN, 56175

3 Bedrooms2 Bathrooms2,006 Square Feet0.321 Acres

Days on market67

Year built1984

Garage spaces3

TypeResidential

Est. $3,900buyer credit when you buy with SODL

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About this home

Welcome home to this charming 3-bedroom, 2-bath ranch style home! You'll love relaxing on the covered deck overlooking the backyard, offering the perfect space for entertaining or enjoying a quiet evening. Large established trees create the perfect amount of shade coverage to be able to truly enjoy the yard to its fullest potential! The open concept main floor living also offers great space for entertaining or spacious family living. The kitchen is overflowing with cabinets offering ample amount of storage space. A spacious 3 stall-garage provides plenty of room for vehicles, storage, and hobbies. It also has a great built-in bar that creates an additional hangout space! With comfortable one-level living and great outdoor space, this home is one you won't want to miss! Seller is happy to answer any questions regarding the home. Reach out to listing agent for number.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1984

LevelsOne

Living area2,006 sqft

Above-grade finished1,056 sqft

Below-grade finished950 sqft

Lot size0.321 acres (140x100)

Days on market67

ListedJul 22, 2026

MLS #NST7067529

CountyLyon

SubdivisionCowles & Davis Add

Parcel #311080101

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 1,036 sqft
Parking features: Attached Garage, Concrete
Patio & porch: Composite Decking, Deck
Exterior features: Cement Board, Fiber Board
Other structures: Storage Shed

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,056 sqft
Roof: Asphalt
Year built: 1984

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas

Community & HOA

Subdivision: Cowles & Davis Add
HOA: No HOA
School district: 2904 - Tracy Area
High school district: Tracy Area

Financial & listing details

Annual tax: $3,730 (2025)
Listed: Jul 22, 2026
Days on market: 67
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementEgress Window(s), Finished, Sump Pump, Wood

HeatingForced Air

CoolingCentral Air

LaundryMain Level

AppliancesCooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

AmenitiesDeck

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorCement Board, Fiber Board

RoofAsphalt

FoundationBlock

Foundation area1,056 sqft

Patio/porchComposite Decking, Deck

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete

Garage spaces3

Garage size1,036 sqft

Financial details

Annual taxes$3,730

Tax year2025

Taxes w/ assessments3730

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2904 - Tracy Area

District number2904

District phone5076295500

High schoolTracy Area

SODL flat fee brokerage

$3,900Estimated buyer credit

SODL platform fee $3,000Your buyer credit $3,900

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

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Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$1,596/mo

Principal & interest$1,209

Property taxes$311

Home insurance (est.)$77

Down payment

$46,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.