117 S 5th St, Jefferson, SD 57038 Property Records

Union County property record for 117 S 5th St, Jefferson, SD 57038

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,680 sqft · built 1991
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jan 2022)
Tax Bill	$3,858 (2026)
Deeds & Mortgages	May 2023 Mortgage Jan 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04.13.02.1045`

Property Details

APN / Parcel Number

Primary APN	`04.13.02.1045`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	1,620 sqft
Basement Area	1,620 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Manufactured
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	117 S 5TH ST
City	JEFFERSON
State	SD
Zip	57038-2058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 36 & 37 BLK 2 BERNARDS 3RD JEFF CITY
Legal Subdivision	BERNARDS THIRD ADDITION
Legal Block	2
Legal Lot Number	36-37
Legal Unit	2
Jurisdiction	UNION SD
Township / Civil Division	JEFFERSON
Census Block Group	1
Census Block	1068
Census Tract	20302

Owner

Source: Union County records, as of October 20, 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	117 S 5TH ST, JEFFERSON, SD 57038-2058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage SIOUXLAND FCU
Jan 7, 2022	Warranty Deed, Transfer · Conventional Mortgage SIOUXLAND FCU
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK NA
Jun 25, 2018	Warranty Deed, Transfer · VA Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2022 · Amount on Record
Deed Sale	Jan 4, 2022 · Amount on Record
Prior Sale	Jun 25, 2018 · Amount on Record
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	117 S 5TH ST, JEFFERSON, SD 57038-2058
Transaction Type	Mortgage
Record Updated	Jul 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000182/251
Date	May 24, 2023
Book Page	182/251
Instrument	231168

Lender

Name	SIOUXLAND FCU
Type	Credit Union
Address	SOUTH SIOUX CITY, NE 68776

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year CMT
Margin	4
Max Rate	13%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jan 7, 2022
Property Address	117 S 5TH ST, JEFFERSON, SD 57038-2058
Document Number	0000112/14
Book / Page	112 / 14
Instrument Date	Jan 4, 2022
Instrument	220076
Transaction Type	Transfer
Record Updated	Feb 14, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	117 S 5TH ST, JEFFERSON, SD 57038-2058

Mortgage

Document Number	0000018028
Date	Jan 7, 2022
Instrument	180/28

Lender

Name	SIOUXLAND FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	117 S 5TH ST, JEFFERSON, SD 57038-2058
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	176/628
Date	Jun 18, 2020
Book Page	176/628
Instrument	202689

Lender

Name	HERITAGE BANK NA
Type	Bank
Address	WILLMAR, MN 56201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jun 25, 2018
Property Address	117 S 5TH ST, JEFFERSON, SD 57038-2058
Document Number	00108/0397
Book / Page	108 / 0397
Instrument Date	Jun 14, 2018
Instrument	182584
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000182585
Date	Jun 25, 2018
Instrument	182585

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Municipality	Jefferson City
Unified School District	Elk Point-Jefferson School District 61-7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,858.00	$233,451 (-) Land $13,947 Building $219,504
2025	$3,858.00 (-0.21%)	$233,451 (+11%) Land $13,947 Building $219,504
2024	$3,866.00 (+5.8%)
2023	$3,654.00 (+6.07%)	$210,308 Land $10,759 Building $199,549
2022	$3,445.00

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (2014–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2014 · 2 claims

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 97% of the US · lower than 94% of South Dakota
Wildfire Likelihood	Under 0.01% 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	JEFFERSON serves 475 people · EPA ID SD4600060
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable · Fiber in parts of the area	1,500 / 50
Midco Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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