Clay County property record for 101 Prospect St, Vermillion, SD 57069
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 4 ba · 3,295 sqft · built 1887 |
| Lot Size | 0.222 acres (9,680 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $234,000 (Apr 2025) |
| Tax Bill | $4,723 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2025 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15720-04400-090-03 |
| Primary APN | 15720-04400-090-03 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 3,295 sqft Living Area |
| Gross Area | 5,018 sqft |
| 1st Floor Area | 1,573 sqft |
| Basement Area | 1,255 sqft |
| Unfinished Basement | 1,255 sqft |
| Year Built | Built 1887 |
|---|---|
| Effective Year Built | Effective 1887 |
| Exterior Material | Marblecrete |
| Construction Type | Metal Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,680 sqft (0.222 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 101 PROSPECT ST |
|---|---|
| City | VERMILLION |
| State | SD |
| Zip | 57069-2131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 110 OF LOTS 8 & 9 BLK 44 SNYDERS |
| Legal Subdivision | SNYDERS ADDN |
| Legal Block | 44 |
| Legal Lot Number | 8,9 |
| Jurisdiction | CLAY SD |
| Township / Civil Division | VERMILLION |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 965900 |
Source: Clay County records, as of April 7, 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 | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage BANK OF DIXON COUNTY |
| Jun 11, 2025 | Deed of Trust, Mortgage GRANITE COMMUNITY BANK |
| May 9, 2012 | Deed of Trust, Mortgage · Commercial Mortgage PALINS COMMERECE BANK |
| May 8, 2025 | Deed of Trust, Mortgage GRANITE COMMUNITY BANK |
| May 8, 2025 | Deed of Trust, Mortgage GRANITE COMMUNITY BANK |
| May 1, 2025 | Warranty Deed, Transfer · FHA Mortgage GRANITE COMMUNITY BANK |
| Jul 24, 2023 | Warranty Deed, Transfer · Line of Credit CENTRAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2025 · Amount on Record |
| Deed Sale | Apr 30, 2025 · Amount on Record |
| Prior Sale | Jul 19, 2023 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 46718 315TH ST, VERMILLION, SD 57069-6808 |
| Document Number | 0MT145/529 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | MT145/529 |
| Instrument | 146419 |
| Name | BANK OF DIXON COUNTY |
|---|---|
| Type | Bank |
| Address | NEWCASTLE, NE 68757 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0MT148/948 |
|---|---|
| Date | Jun 11, 2025 |
| Book Page | MT148/948 |
| Instrument | A20250824 |
| Name | GRANITE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 202 2ND AVE S, COLD SPRING, MN 56320 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000133/437 |
|---|---|
| Date | May 9, 2012 |
| Book Page | 133/437 |
| Instrument | 126691 |
| Name | PALINS COMMERECE BANK |
|---|---|
| Address | SIOUX FALLS, SD 57106 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0MT148/848 |
|---|---|
| Date | May 8, 2025 |
| Book Page | MT148/848 |
| Instrument | A20250650 |
| Name | GRANITE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 202 2ND AVE S, COLD SPRING, MN 56320 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0MT148/848 |
|---|---|
| Date | May 8, 2025 |
| Book Page | MT148/848 |
| Instrument | A20250650 |
| Name | GRANITE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 202 2ND AVE S, COLD SPRING, MN 56320 |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY SD |
| Recording Date | May 1, 2025 |
| Property Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Document Number | 000D84/185 |
| Book / Page | D84 / 185 |
| Instrument Date | Apr 30, 2025 |
| Instrument | A20250613 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 S HERITAGE RD, BRANDON, SD 57005-3046 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Investor | Possibly a Property Investor |
| Document Number | 0A20250614 |
|---|---|
| Date | May 1, 2025 |
| Instrument | A20250614 |
| Name | GRANITE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY SD |
| Recording Date | Jul 24, 2023 |
| Property Address | 101 PROSPECT ST, VERMILLION, SD 57069-2131 |
| Document Number | 000D83/371 |
| Book / Page | D83 / 371 |
| Instrument Date | Jul 19, 2023 |
| Instrument | 20230460 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 507 PINEHURST AVE, VERMILLION, SD 57069-3805 |
| Name | Verified Name |
|---|---|
| Address | 305 S HERITAGE RD, BRANDON, SD 57005-3046 |
| Document Number | 0020230461 |
|---|---|
| Date | Jul 24, 2023 |
| Instrument | 20230461 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Clay County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Clay County |
| Municipality | Vermillion City |
| Unified School District | Vermillion School District 13-1 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,723.00 (+8.2%) | $221,018 (+30.99%) Land $21,199 Building $199,819 |
| 2024 | $4,365.00 (+3.31%) | |
| 2023 | $4,225.00 (+1.93%) | $168,729 (+1.04%) Land $18,489 Building $150,240 |
| 2022 | $4,145.00 (+4.04%) | $166,986 Land $16,746 Building $150,240 |
| 2021 | $3,984.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective December 29, 2020 · 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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2011 · Flooding |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VERMILLION serves 11,695 people · EPA ID SD4600342 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 415 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| Midco Cable | 1,250 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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