101 W Washington St, Elk Point, SD 57025 Property Records

Union County property record for 101 W Washington St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,260 sqft · built 1978
Lot Size	0.365 acres (15,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$359,000 (Jul 2024)
Tax Bill	$4,530 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03.01.31.1045`

Property Details

APN / Parcel Number

Primary APN	`03.01.31.1045`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,260 sqft Living Area
Basement Area	2,142 sqft
Finished Basement	2,142 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	15,900 sqft (0.365 acres)
Lot Dimensions	150 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	101 W WASHINGTON ST
City	ELK POINT
State	SD
Zip	57025-2419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRAC LOTS 11 & 12 & E6' OF FRAC LOT 10 BLK 31 ORIG EP CITY & FRAC LOTS 11 & 12 & E6' FRAC LOT 10 BLK 3 WIXSON'S ADD EP CITY
Legal Subdivision	WIXSON'S ADD
Legal Block	31,3
Legal Lot Number	11-12
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	2
Census Block	2019
Census Tract	20200

Owner

Source: Union County records, as of October 20, 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 W WASHINGTON ST, ELK POINT, SD 57025-2419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · FHA Mortgage IMPERIUM LENDING LLC
Dec 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 20, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2024 · Amount on Record
Deed Sale	Jul 11, 2024 · Amount on Record
Prior Sale	Jul 20, 2021 · Amount on Record
Deed Document Number	2024
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	101 W WASHINGTON ST, ELK POINT, SD 57025-2419
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 WA STREET, ELK POINT, SD 57025-2419

Mortgage

Document Number	000186/584
Date	Sep 16, 2025
Book Page	186/584
Instrument	252153

Lender

Name	IMPERIUM LENDING LLC
Type	Mortgage Company
Address	755 W BIG BEAVER RD STE 625, TROY, MI 48084

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	101 W WASHINGTON ST, ELK POINT, SD 57025-2419
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00178/1231
Date	Dec 7, 2021
Book Page	178/1231
Instrument	214990

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jul 20, 2021
Property Address	101 W WASHINGTON ST, ELK POINT, SD 57025-2419
Document Number	111/468
Book / Page	111 / 468
Instrument Date	Jul 5, 2021
Instrument	213478
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 W WASHINGTON ST, ELK POINT, SD 57025-2419

Mortgage

Document Number	178781
Date	Jul 20, 2021
Instrument	178/781

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Municipality	Elk Point City
Unified School District	Elk Point-Jefferson School District 61-7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$4,530.00	$271,922 (-) Land $27,231 Building $244,691
2025	$4,530.00 (+7.7%)	$271,922 (+8.91%) Land $27,231 Building $244,691
2024	$4,206.00 (-2.5%)
2023	$4,314.00 (-3.71%)	$249,677 Land $27,231 Building $222,446
2022	$4,480.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 80% of the US · lower than 85% of South Dakota
Wildfire Likelihood	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	ELK POINT serves 2,124 people · EPA ID SD4600116
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	CLAY RURAL WATER SYSTEM
Lead	2 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Bluepeak Cable · Fiber in parts of the area	1,000 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Long Lines Metro.

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