109 Cole Dr, Yankton, SD 57078 Property Records

Yankton County property record for 109 Cole Dr, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 2017
Lot Size	0.164 acres (7,130 sqft)
Owner	2 Individual Names on File
Last Sale	$230,500 (Feb 2017)
Tax Bill	$4,264 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78.174.001.160`

Property Details

APN / Parcel Number

Primary APN	`78.174.001.160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
Basement Area	1,284 sqft
Finished Basement	1,284 sqft
Unfinished Basement	1,284 sqft
Flooring	Other

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,130 sqft (0.164 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 COLE DR
City	YANKTON
State	SD
Zip	57078-8500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 16 BLK 1 DROTZMANNS ADDN
Legal Subdivision	DROTZMANNS ADDN
Legal Block	1
Legal Lot Number	16
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	1
Census Block	1028
Census Tract	966302

Owner

109 Cole Dr is owned and occupied by two individuals who bought it in February 2017.

Source: Yankton County records, as of October 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	109 COLE DR, YANKTON, SD 57078-8500
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2017	Deed of Trust, Mortgage · Line of Credit FIRST DAKOTA NATIONAL BANK
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Feb 10, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2017 · Amount on File
Deed Sale	Feb 10, 2017 · Amount on File
Deed Book / Page	533 / 318
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	109 COLE DR, YANKTON, SD 57078-8500
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	538/109
Date	Dec 12, 2017
Book Page	538/109

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	YANKTON, SD 57078

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	109 COLE DR, YANKTON, SD 57078-8500
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	YANKTON TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	550/333
Date	Apr 24, 2020
Book Page	550/333

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	YANKTON, SD 57078

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Feb 10, 2017
Property Address	109 COLE DR, YANKTON, SD 57078-8500
Document Number	533/318
Book / Page	533 / 318
Map Reference	MB S20 PG 118
Instrument Date	Feb 10, 2017
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	YANKTON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	623 AUGUSTA CIR, 623, YANKTON, SD 57078-5304

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 COLE DR, YANKTON, SD 57078-8500

Mortgage

Document Number	533319
Date	Feb 10, 2017
Instrument	533/319

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 109 Cole Dr was $4,264.

Source: Yankton County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Yankton County
Municipality	Yankton City
Unified School District	Yankton School District 63-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$327,200 Land $20,500 Building $306,700	$327,200 Land $20,500 Building $306,700
2025	$4,264.00
2023		$286,700 Land $20,500 Building $266,200
2022	$3,833.00

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

Flood

FEMA maps place 109 Cole Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective February 13, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2001–2019)
Most Recent Claim	May 2019 · Severe Storms And Flooding

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

The area around 109 Cole Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	YANKTON serves 15,411 people · EPA ID SD4600423
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	BY WATER DISTRICT
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 463 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Bluepeak Cable · Fiber in parts of the area	1,000 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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