12694 Ruger Rd, Whitewood, SD 57793 Property Records

Meade County property record for 12694 Ruger Rd, Whitewood, SD 57793

Property Summary

Property Type	Single Family Home
Lot Size	8.81 acres (383,764 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,441 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone D (undetermined)
APN	`12.74.06R`

Property Details

APN / Parcel Number

Primary APN	`12.74.06R`

Exterior

Lot Area	383,764 sqft (8.81 acres)

Location & Zoning

Street Address	12694 RUGER RD
City	WHITEWOOD
State	SD
Zip	57793-5600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEED SAVI ESTATES LOT 6R CLASS ASSESSED EQUALIZED LOCAL COUNTY STATE EXEMPT ACRES UNITS VALUE VALUE BOARD BOARD BOARD AMOUNT
Legal Range	05
Legal Township	06
Legal Section	28
Legal Subdivision	SAVI ESTATES
Legal Lot Number	6R
Jurisdiction	MEADE SD
Township / Civil Division	SOUTHWEST MEADE
Census Block Group	1
Census Block	1068
Census Tract	20302

Owner

Source: Meade County records · APN 12.74.06R

Assessment roll updated March 23, 2026 · Last verified April 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 File
Mailing Address	12694 RUGER RD, WHITEWOOD, SD 57793-5600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 09, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 24, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	12694 RUGER RD, WHITEWOOD, SD 57793-5600
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000937/155
Date	Nov 09, 2020
Book Page	937/155
Instrument	20007835

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Interest

Rate Type	Fixed Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Nov 24, 2025
Property Address	12694 RUGER RD, WHITEWOOD, SD 57793-5600
Document Number	00993/1259
Book / Page	993 / 1259
Map Reference	MB 22 PG 306
Instrument Date	Nov 20, 2025
Instrument	25006855
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12694 RUGER RD, WHITEWOOD, SD 57793-5600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12090 HART RD, HOT SPRINGS, SD 57747-6000

Mortgage

Document Number	0025006856
Date	Nov 24, 2025
Instrument	25006856

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Tax Assessment & Valuation

Source: Meade County records · Assessment roll updated March 23, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Meade County
Unified School District	Meade School District 46-1 (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,441.00 (+14.48%) Additional exemption filed	$539,276 (+13.2%) Land $127,040 Building $412,236	$539,276 Land $127,040 Building $412,236
2024	$4,753.00 (-4.9%) Additional exemption filed	$476,392 (-) Land $101,632 Building $374,760
2023		$476,392 Land $101,632 Building $374,760
2022	$4,998.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 5, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	High above 74% of the US · above 85% of South Dakota
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
BHT Investment Holdings Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20
Lumen Technologies DSL	10 / 1

Based on FCC filings for 5 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	BEAR BUTTE VALLEY WATER private · serves 882 people
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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