1102 Spruce St, Yankton, SD 57078 Property Records

Yankton County property record for 1102 Spruce St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,403 sqft · built 1978
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,723 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78.120.006.110`

Property Details

APN / Parcel Number

Primary APN	`78.120.006.110`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,403 sqft Living Area
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Unfinished Basement	1,400 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Combination
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	1,137 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	172 sqft
Shed	1 Shed
Shed Area	2,403 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1102 SPRUCE ST
City	YANKTON
State	SD
Zip	57078-2721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 11 BLK 6 CHRISTENSEN HEIGHTS
Legal Subdivision	CHRISTENSEN HEIGHTS
Legal Block	6
Legal Lot Number	11
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	4
Census Block	4007
Census Tract	966302

Owner

Source: Yankton County records, as of October 1, 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	1102 SPRUCE ST, YANKTON, SD 57078-2721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
May 1, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 26, 2019
Transfer Doc	545/015
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	1102 SPRUCE ST, YANKTON, SD 57078-2721
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	YANKTON TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	550/292
Date	Apr 20, 2020
Book Page	550/292

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YANKTON SD
Recording Date	May 1, 2019
Property Address	1102 SPRUCE ST, YANKTON, SD 57078-2721
Document Number	545/015
Book / Page	545 / 015
Map Reference	MB S4 PG 73A
Instrument Date	Apr 26, 2019
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	YANKTON TITLE COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1102 SPRUCE ST, YANKTON, SD 57078-2721

Mortgage

Document Number	545016
Date	May 1, 2019
Instrument	545/016

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2034

Tax Assessment & Valuation

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		$356,600 (-) Land $18,700 Building $337,900	$356,600 (+33.91%) Land $18,700 Building $337,900
2025	$4,723.00 (+14.41%)	$356,600 (+17.85%) Land $18,700 Building $337,900
2023		$302,600 Land $18,700 Building $283,900
2022	$4,128.00
2021			$266,300 Land $18,700 Building $247,600

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

Flood

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	1 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	0.02% annual chance
Exposure	Direct burnable vegetation

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 264 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: South Dakota Wireless Internet.

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