Meade County property record for 1221 Spruce St, Sturgis, SD 57785
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · built 1920 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $105,000 (Jul 2010) |
| Tax Bill | $3,336 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01.53.03.05 |
| Primary APN | 01.53.03.05 |
|---|
| Bedrooms | 2 Beds |
|---|
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Lot Area | 6,970 sqft (0.16 acres) |
| Street Address | 1221 SPRUCE ST |
|---|---|
| City | STURGIS |
| State | SD |
| Zip | 57785-1823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOSWORTH LOTS 5 & 6 BLK 3 |
| Legal Subdivision | BOSWORTH |
| Legal Block | 3 |
| Legal Lot Number | 5-6 |
| Jurisdiction | MEADE SD |
| Township / Civil Division | STURGIS |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 20402 |
Source: Meade County records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1221 SPRUCE ST, STURGIS, SD 57785-1823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CHOICE FINANCIAL GROUP |
| Oct 27, 2022 | Deed of Trust, Mortgage · Line of Credit HUD |
| Feb 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage OPEN MORTGAGE LLC |
| Oct 27, 2022 | Warranty Deed, Transfer · FHA Mortgage OPEN MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2010 · Amount on Record |
| Deed Sale | Jul 15, 2010 · Amount on Record |
| Deed Document Number | 20102908-CV |
| Deed Book / Page | 800 / 286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1221 SPRUCE ST, STURGIS, SD 57785-1823 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00947/1525 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 947/1525 |
| Instrument | 21004388 |
| Name | CHOICE FINANCIAL GROUP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 20, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1221 SPRUCE ST, STURGIS, SD 57785-1823 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00970/1134 |
|---|---|
| Date | Oct 27, 2022 |
| Book Page | 970/1134 |
| Instrument | 22007045 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1221 SPRUCE ST, STURGIS, SD 57785-1823 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000972/955 |
|---|---|
| Date | Feb 17, 2023 |
| Book Page | 972/955 |
| Instrument | 23000830 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEADE SD |
| Recording Date | Oct 27, 2022 |
| Property Address | 1221 SPRUCE ST, STURGIS, SD 57785-1823 |
| Document Number | 000967/405 |
| Book / Page | 967 / 405 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 22007043 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3717 37TH ST NW, MANDAN, ND 58554-1244 |
| Name | Verified Name |
|---|---|
| Address | 1221 SPRUCE ST, STURGIS, SD 57785-1823 |
| Document Number | 00970/1120 |
|---|---|
| Date | Oct 27, 2022 |
| Book Page | 970/1120 |
| Instrument | 22007044 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Meade County assessment roll, as of March 23, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Meade County |
| Municipality | Sturgis City |
| Unified School District | Meade School District 46-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $245,603 (-) Land $30,030 Building $215,573 | $245,603 (-) Land $30,030 Building $215,573 | |
| 2025 | $3,336.00 (+5.44%) Additional exemption filed | $245,603 (+26.42%) Land $30,030 Building $215,573 | $245,603 Land $30,030 Building $215,573 |
| 2024 | $3,164.00 (+16.93%) | ||
| 2023 | $194,276 Land $30,030 Building $164,246 | ||
| 2022 | $2,706.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 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.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | STURGIS serves 7,020 people · EPA ID SD4600321 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | 2 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 442 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 2,000 / 1,000 |
| Bluepeak Cable · Fiber in parts of the area | 1,000 / 30 |
| Wisp West Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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