109 E Francis St, Yankton, SD 57078 Property Records

Yankton County property record for 109 E Francis St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,168 sqft · built 1992
Lot Size	0.21 acres (9,167 sqft)
Owner	2 Trust Names on File
Tax Bill	$1,140 (2025)
Deeds & Mortgages	Aug 2026 Sale Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78.935.002.110`

Property Details

APN / Parcel Number

Primary APN	`78.935.002.110`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,168 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	1,120 sqft
Flooring	Laminate Plank

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,167 sqft (0.21 acres)
Garage Type	Attached
Garage Area	524 sqft
Parking Spaces	2 Parking Spaces
Cabin	1,168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 E FRANCIS ST
City	YANKTON
State	SD
Zip	57078-5102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 BLK 2 WILLOW RIDGE S/D
Legal Subdivision	WILLOW RIDGE SUBDIVISION
Legal Block	2
Legal Lot Number	11
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	1
Census Block	1032
Census Tract	966200

Owner

109 E Francis St is owner-occupied and held in a trust.

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

Owner of Record	2 Trust Names on File
Mailing Address	109 E FRANCIS ST, YANKTON, SD 57078-5102
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 26, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Aug 1, 2019	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 19, 2021	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

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

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Aug 26, 2026
Property Address	109 E FRANCIS ST, YANKTON, SD 57078-5102
Document Number	0000215003
Book / Page	585 / 300
Instrument Date	Aug 21, 2026
Instrument	2026215003
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	109 E FRANCIS ST, YANKTON, SD 57078-5102

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	109 E FRANCIS ST, YANKTON, SD 57078-5102
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000546/279
Date	Aug 1, 2019
Book Page	546/279

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2034

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	109 E FRANCIS ST, YANKTON, SD 57078-5102
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000561/532
Date	Oct 19, 2021
Book Page	561/532

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	178 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 109 E Francis St was $1,140, down 39.1% from the year before.

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		$297,800 (+6.09%) Land $29,000 Building $268,800	$297,800 Land $29,000 Building $268,800
2025	$1,140.00 (-39.14%)	$280,700 Land $29,000 Building $251,700
2024	$1,873.00
2023		$274,300 Land $29,000 Building $245,300
2022	$3,751.00
2021			$224,200 Land $29,000 Building $195,200

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

Flood

FEMA maps place 109 E Francis St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 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 109 E Francis St is low, with less than 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 99.1% of the US · lower than 98% of South Dakota
Wildfire Likelihood	Under 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	YANKTON serves 15,411 people · EPA ID SD4600423
Water Source	Groundwater
Last State Inspection	Aug 2023
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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Bluepeak Cable	1,000 / 30

May also be available: South Dakota Wireless Internet, Verizon.

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