Union County property record for 108 Cedar Ct, Elk Point, SD 57025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,228 sqft · built 1972 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Jan 2021) |
| Tax Bill | $3,049 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Jan 2021 Second Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 03.08.04.1035 |
| Primary APN | 03.08.04.1035 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,228 sqft Living Area |
| Basement Area | 1,133 sqft |
| Finished Basement | 1,133 sqft |
| Unfinished Basement | 1,133 sqft |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 9,750 sqft (0.224 acres) |
| Lot Dimensions | 130 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 108 CEDAR CT |
|---|---|
| City | ELK POINT |
| State | SD |
| Zip | 57025-2150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 BLK 4 SOUTHVIEW SUBDIV E P CITY |
| Legal Subdivision | SOUTHVIEW SUBDIV |
| Legal Block | 4 |
| Legal Lot Number | 8 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | ELK POINT |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 20200 |
Source: Union County records · APN 03.08.04.1035
Assessment roll updated October 6, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 CEDAR CT, ELK POINT, SD 57025-2150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 04, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK |
| Jan 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PLAINS COMMERCE BANK |
| Jan 14, 2021 | Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 14, 2021 · Amount on Record |
| Deed Sale | Jan 14, 2021 · Amount on Record |
| Deed Document Number | 2021226 |
| Deed Book / Page | 111 / 27 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 108 CEDAR CT, ELK POINT, SD 57025-2150 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00170/0007 |
|---|---|
| Date | Jan 04, 2017 |
| Book Page | 170/0007 |
| Instrument | 170045 |
| Name | FIRST DAKOTA NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | BERESFORD, SD 57004 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 108 CEDAR CT, ELK POINT, SD 57025-2150 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000178/45 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 178/45 |
| Instrument | 210228 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Jan 14, 2021 |
| Property Address | 108 CEDAR CT, ELK POINT, SD 57025-2150 |
| Document Number | 0000111/27 |
| Book / Page | 111 / 27 |
| Instrument Date | Jan 04, 2021 |
| Instrument | 210226 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2024 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $235.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 CEDAR CT, ELK POINT, SD 57025-2150 |
| Document Number | 0000178/44 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 178/44 |
| Instrument | 210227 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
Source: Union County records · Assessment roll updated October 6, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | Elk Point City |
| Unified School District | Elk Point-Jefferson School District 61-7 (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,049.00 (+7.47%) | $182,974 (+8.67%) Land $21,996 Building $160,978 |
| 2024 | $2,837.00 (-2.51%) | |
| 2023 | $2,910.00 (+9.11%) | $168,376 Land $21,996 Building $146,380 |
| 2022 | $2,667.00 |
Source: FEMA National Flood Hazard Layer as of May 31, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
| Wildfire Risk | Low lower than 66% of the US · lower than 80% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Clarity Telecom Cable · Fiber in parts of the area | 1,000 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 172 locations within half a mile of this property.
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 | ELK POINT serves 2,124 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | CLAY RURAL WATER SYSTEM |
| Lead | 2 ppb (2023) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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