1045 N 5th St, Spearfish, SD 57783 Property Records

Lawrence County property record for 1045 N 5th St, Spearfish, SD 57783

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,016 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Trust Names on File
Tax Bill	$5,210 (2025)
Flood Zone	Zone X (minimal risk)
APN	`32570-04300-020-00`

Property Details

APN / Parcel Number

Primary APN	`32570-04300-020-00`
Alternative APN	`R19274`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Building Area	2,016 sqft Living Area
1st Floor Area	1,109 sqft
Basement Area	725 sqft
Unfinished Basement	725 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	140 ft deep x 86 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Location & Zoning

Account Number	R19274
Street Address	1045 N 5TH ST
City	SPEARFISH
State	SD
Zip	57783-2008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAMSDELL ADDITION LOT 1 & N 36' OF LOT 2 BLK 43 PLAT BK1 PG200
Legal Subdivision	RAMSDELL ADDITION
Legal Block	43
Legal Lot Number	1-2
Jurisdiction	LAWRENCE SD
Township / Civil Division	SPEARFISH
Census Block Group	2
Census Block	2024
Census Tract	966200

Owner

Source: Lawrence County records · APN 32570-04300-020-00

Assessment roll updated September 2, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on File
Mailing Address	1045 N 5TH ST, SPEARFISH, SD 57783-2008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Lawrence County records · Assessment roll updated September 2, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Lawrence County
Municipality	Spearfish City
Unified School District	Spearfish School District 40-2 (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,210.00 (-2.01%)	$500,420 (+30.65%) Land $101,120 Building $399,300
2024	$5,317.00 (+6.72%)
2023			$452,520 Land $66,120 Building $386,400
2022	$4,982.00	$383,010 Land $61,120 Building $321,890

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 29, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (1979–2008)
Most Recent Claim	Dec 2008 · river or lake flooding

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midcontinent Communications Cable	1,250 / 250
Clarity Telecom Cable · Fiber in parts of the area	1,000 / 30
BHT Investment Holdings Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Lumen Technologies.

Based on FCC filings for 421 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPEARFISH serves 13,803 people
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	3 ppb (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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.