105 E Clay St, Elk Point, SD 57025 Property Records

Union County property record for 105 E Clay St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,064 sqft · built 1920
Lot Size	0.258 acres (11,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,919 (2026)
Deeds & Mortgages	May 2021 Line of Credit Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03.02.06.1030`

Property Details

APN / Parcel Number

Primary APN	`03.02.06.1030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Living Area
Interior Walls	Metal

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Metal
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	105 E CLAY ST
City	ELK POINT
State	SD
Zip	57025-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 LOT 9 & ALL LOT 10 BLK 6 WIXSON'S ADD E P CITY
Legal Subdivision	WIXSON'S ADD
Legal Block	6
Legal Lot Number	9-10
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	2
Census Block	2036
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	PO BOX 87, ELK POINT, SD 57025-0087
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Line of Credit CORTRUST BANK NA
Apr 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK

Assessor's Deed Record

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	105 E CLAY ST, ELK POINT, SD 57025-2302
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 E CLAY ST, ELK POINT, SD 57025-2302

Mortgage

Document Number	178/525
Date	May 18, 2021
Book Page	178/525
Instrument	212426

Lender

Name	CORTRUST BANK NA
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	105 E CLAY ST, ELK POINT, SD 57025-2302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	172/0230
Date	Apr 9, 2018
Book Page	172/0230
Instrument	181329

Lender

Name	PREMIER BANK
Type	Bank
Address	ALCESTER, SD 57001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2038

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	$1,919.00	$115,197 (-) Land $19,268 Building $95,929
2025	$1,919.00 (+7.03%)	$115,197 (+8.19%) Land $19,268 Building $95,929
2024	$1,793.00 (-2.5%)
2023	$1,839.00 (+9.14%)	$106,476 Land $19,268 Building $87,208
2022	$1,685.00

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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