Clay County property record for 1300 Over Dr, Vermillion, SD 57069
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,296 sqft · built 2001 |
| Lot Size | 1.18 acres (51,730 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $317,000 (Jul 2019) |
| Tax Bill | $7,863 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15297-00100-070-00 |
| Primary APN | 15297-00100-070-00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 16 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,296 sqft Living Area |
| Gross Area | 4,592 sqft |
| 1st Floor Area | 2,296 sqft |
| Basement Area | 2,296 sqft |
| Unfinished Basement | 2,296 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Block |
| Roof Material | Composition Shingle |
| Lot Area | 51,730 sqft (1.18 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 144 sqft |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1300 OVER DR |
|---|---|
| City | VERMILLION |
| State | SD |
| Zip | 57069-1093 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 BLK 1 GARRYOWEN |
| Legal Subdivision | GARRYOWEN ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | CLAY SD |
| Township / Civil Division | VERMILLION |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 965700 |
1300 Over Dr is owned and occupied by two individuals who bought it in July 2019.
Source: Clay County records, as of April 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1300 OVER DR, VERMILLION, SD 57069-1093 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST |
| Jul 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage COGENT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2019 · Amount on File |
| Deed Sale | Jul 3, 2019 · Amount on File |
| Deed Document Number | 2019141098 |
| Deed Book / Page | 81 / 128 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 1300 OVER DR, VERMILLION, SD 57069-1093 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT145/185 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | MT145/185 |
| Instrument | 145857 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY SD |
| Recording Date | Jul 3, 2019 |
| Property Address | 1300 OVER DR, VERMILLION, SD 57069-1093 |
| Document Number | D81/128 |
| Book / Page | D81 / 128 |
| Instrument Date | Jul 2, 2019 |
| Instrument | 141098 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $317.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 700 FREEDOM PL UNIT 1, 700, HARTFORD, SD 57033-2402 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1300 OVER DR, VERMILLION, SD 57069-1093 |
| Document Number | 141099 |
|---|---|
| Date | Jul 3, 2019 |
| Instrument | 141099 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2025 property tax bill for 1300 Over Dr was $7,863.
Source: Clay County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Clay County |
| Municipality | Vermillion City |
| Unified School District | Vermillion School District 13-1 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,863.00 | $429,034 Land $56,903 Building $372,131 |
| 2023 | $8,473.00 (+2.17%) | $398,815 Land $45,005 Building $353,810 |
| 2022 | $8,293.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 1300 Over Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective December 29, 2020 · 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 |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2024 · Severe Storms, Straight-line Winds, And Flooding |
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 risk around 1300 Over Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 75% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | CLAY RURAL WATER SYSTEM private · serves 4,780 people · EPA ID SD4600626 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 1 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 309 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| Midco Cable | 1,250 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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