1204 Spruce St, Yankton, SD 57078 Property Records

Yankton County property record for 1204 Spruce St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,819 sqft · built 1977
Lot Size	0.256 acres (11,160 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (May 2016)
Tax Bill	$4,483 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`78.120.005.100`

Property Details

APN / Parcel Number

Primary APN	`78.120.005.100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,819 sqft Living Area
Basement Area	1,316 sqft
Finished Basement	1,316 sqft
Unfinished Basement	1,316 sqft
Flooring	Tile

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,160 sqft (0.256 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	1204 SPRUCE ST
City	YANKTON
State	SD
Zip	57078-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 10 BLK 5 CHRISTENSEN HEIGHTS
Legal Subdivision	CHRISTENSEN HEIGHTS
Legal Block	5
Legal Lot Number	10
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	4
Census Block	4001
Census Tract	966302

Owner

1204 Spruce St is owned and occupied by two individuals who bought it in May 2016.

Source: Yankton County records, as of October 1, 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	2 Individual Names on File
Mailing Address	1204 SPRUCE ST, YANKTON, SD 57078-2723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST
Feb 14, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Nov 30, 2020	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST
May 27, 2016	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK & TRUST
Jan 10, 2008	Personal Representative Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK SOUTH DAKOTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2016 · Amount on File
Deed Sale	May 27, 2016 · Amount on File
Prior Sale	Jan 15, 2010 · Amount on File
Deed Book / Page	529 / 349
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	1204 SPRUCE ST, YANKTON, SD 57078-2723
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000555/102
Date	Nov 30, 2020
Book Page	555/102

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Feb 14, 2023
Property Address	1204 SPRUCE ST, YANKTON, SD 57078-2723
Document Number	000568/455
Book / Page	568 / 455
Instrument Date	Feb 13, 2023
Transaction Type	Transfer
Record Updated	Mar 17, 2023
Title Company	FIRST DAKOTA TITLE LLC, FIRST DAKOTA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$385.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1215 ROCKWELL TRL, VERMILLION, SD 57069-7023

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1204 SPRUCE ST, YANKTON, SD 57078-2723

Mortgage

Document Number	0000568456
Date	Feb 14, 2023
Instrument	568/456

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	1204 SPRUCE ST, YANKTON, SD 57078-2723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	555/102
Date	Nov 30, 2020
Book Page	555/102

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	May 27, 2016
Property Address	1204 SPRUCE ST, YANKTON, SD 57078-2723
Document Number	529/349
Book / Page	529 / 349
Map Reference	MB S6 PG 25B
Instrument Date	May 27, 2016
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	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44547 SD HIGHWAY 50, 44547, YANKTON, SD 57078-6449

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1204 SPRUCE ST, YANKTON, SD 57078-2723

Mortgage

Document Number	529350
Date	May 27, 2016
Instrument	529/350

Lender

Name	FIRST BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2031

Mortgage

Document Number	000529/352
Date	May 27, 2016
Book Page	529/352

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jun 1, 2023

January 2008: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	YANKTON SD
Recording Date	Jan 10, 2008
Property Address	1204 SPRUCE ST, YANKTON, SD 57078-2723
Document Number	000475/333
Book / Page	475 / 333
Map Reference	MB56 PG25B
Instrument Date	Oct 25, 2007
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	YANKTON TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1204 SPRUCE ST, YANKTON, SD 57078-2723
Investor	Possibly a Property Investor

Mortgage

Document Number	0000475334
Date	Jan 10, 2008
Instrument	475/334

Lender

Name	FIRST NATIONAL BANK SOUTH DAKOTA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2038

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		$343,300 (+23.4%) Land $17,500 Building $325,800	$343,300 Land $17,500 Building $325,800
2025	$4,483.00 (+20.25%)
2023		$278,200 Land $17,500 Building $260,700
2022	$3,728.00

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

Flood

FEMA maps place 1204 Spruce 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
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

Wildfire risk around 1204 Spruce St is low, with a 0.02% 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	0.02% 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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