108 N Harrison St, Elk Point, SD 57025 Property Records

Union County property record for 108 N Harrison St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,608 sqft · built 1975
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Tax Bill	$2,983 (2026)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03.01.07.1020`

Property Details

APN / Parcel Number

Primary APN	`03.01.07.1020`

Interior

Bedrooms	2 Beds
Stories	1 Story
Building Area	1,608 sqft Living Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	108 N HARRISON ST
City	ELK POINT
State	SD
Zip	57025-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 LOTS 5 & 6 BLK 7 ORIG E P CITY
Legal Block	7
Legal Lot Number	5-6
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	2
Census Block	2016
Census Tract	20200

Owner

108 N Harrison St, a single family home, is owned by an individual.

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	PO BOX 327, ELK POINT, SD 57025-0327
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit FIRST DAKOTA NATIONAL BANK
Aug 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
May 30, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	108 N HARRISON ST, ELK POINT, SD 57025-2414
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 327, ELK POINT, SD 57025-0327

Mortgage

Document Number	000182/637
Date	Nov 27, 2023
Book Page	182/637
Instrument	232680

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	108 N HARRISON ST, ELK POINT, SD 57025-2414
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 327, ELK POINT, SD 57025-0327

Mortgage

Document Number	000186/500
Date	Aug 13, 2025
Book Page	186/500
Instrument	251845

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR, IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION SD
Recording Date	May 30, 2023
Property Address	108 N HARRISON ST, ELK POINT, SD 57025-2414
Document Number	000113/296
Book / Page	113 / 296
Instrument Date	Apr 5, 2023
Instrument	231209
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 N HARRISON ST, ELK POINT, SD 57025-2414

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N HARRISON ST, ELK POINT, SD 57025-2414

Tax Assessment & Valuation

The 2026 property tax bill for 108 N Harrison St was $2,983, up % from the year before.

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	$2,983.00 (+0.03%)	$179,019 (-) Land $14,868 Building $164,151
2025	$2,982.00 (+7.85%)	$179,019 Land $14,868 Building $164,151
2024	$2,765.00 (-2.47%)
2023	$2,835.00 (+9.12%)	$164,105 Land $14,868 Building $149,237
2022	$2,598.00

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

Flood

FEMA maps place 108 N Harrison St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 108 N Harrison St is low, with a 0.01% annual chance of 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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