Clay County property record for 1305 Over Dr, Vermillion, SD 57069
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,198 sqft · built 2007 |
| Lot Size | 1.01 acres (44,407 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,859 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage Aug 2007 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15297-00100-090-00 |
| Primary APN | 15297-00100-090-00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,198 sqft Living Area |
| Gross Area | 3,280 sqft |
| 1st Floor Area | 1,640 sqft |
| Basement Area | 1,640 sqft |
| Finished Basement | 1,558 sqft |
| Unfinished Basement | 1,640 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Block |
| Roof Material | Composition Shingle |
| Lot Area | 44,407 sqft (1.01 acres) |
| Garage Type | Attached |
| Garage Area | 1,098 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1305 OVER DR |
|---|---|
| City | VERMILLION |
| State | SD |
| Zip | 57069-1094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 BLK 1 GARRYOWEN |
| Legal Subdivision | GARRYOWEN ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | CLAY SD |
| Township / Civil Division | VERMILLION |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 965700 |
Source: Clay County records, as of April 7, 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 | PO BOX 548, VERMILLION, SD 57069-0548 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK |
| Aug 31, 2007 | Deed of Trust, Mortgage FIRST NATIONAL BANK SOUTH DAKOTA |
| Deed of Trust, Mortgage | |
| Aug 31, 2007 | Deed of Trust, Mortgage FIRST NATIONAL BANK SOUTH DAKOTA |
| Apr 6, 2007 | Deed of Trust, Mortgage FIRST NATIONAL BANK SOUTH DAKOTA |
| Feb 18, 2026 | Warranty Deed, Transfer |
| Jul 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK |
| Apr 6, 2007 | Joint Tenancy Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2007 |
| Deed Sale | Apr 6, 2007 |
| Deed Book / Page | 74 / 871 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0MT143/465 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | MT143/465 |
| Instrument | 143267 |
| Name | FIRST DAKOTA NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | VERMILLION, SD 57069 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000126/621 |
|---|---|
| Date | Aug 31, 2007 |
| Book Page | 126/621 |
| Instrument | 115985 |
| Name | FIRST NATIONAL BANK SOUTH DAKOTA |
|---|---|
| Address | YANKTON, SD 57078 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Sep 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000126/623 |
|---|---|
| Date | Aug 31, 2007 |
| Book Page | 126/623 |
| Instrument | 115989 |
| Name | FIRST NATIONAL BANK SOUTH DAKOTA |
|---|---|
| Address | YANKTON, SD 57078 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Sep 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Adjustable | Adjustable Rate Rider |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000125/865 |
|---|---|
| Date | Apr 6, 2007 |
| Book Page | 125/865 |
| Instrument | 114707 |
| Name | FIRST NATIONAL BANK SOUTH DAKOTA |
|---|---|
| Address | YANKTON, SD 57078 |
| Amount | Amount Recorded |
|---|---|
| Term | 9 Months |
| Due | Jan 1, 2008 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY SD |
| Recording Date | Feb 18, 2026 |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Document Number | 000D84/515 |
| Book / Page | D84 / 515 |
| Instrument Date | Feb 18, 2026 |
| Instrument | A20260211 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $445.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT143/465 |
|---|---|
| Date | Jul 17, 2020 |
| Book Page | MT143/465 |
| Instrument | 143267 |
| Name | FIRST DAKOTA NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | VERMILLION, SD 57069 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Joint Tenancy Deed |
|---|---|
| Jurisdiction | CLAY SD |
| Recording Date | Apr 6, 2007 |
| Property Address | 1305 OVER DR, VERMILLION, SD 57069-1094 |
| Document Number | 000074/871 |
| Book / Page | 74 / 871 |
| Instrument Date | Apr 6, 2007 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Estimated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 548, VERMILLION, SD 57069-0548 |
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 | $385,184 (+7.55%) Land $48,848 Building $336,336 | |
| 2024 | $6,859.00 (-8.46%) | |
| 2023 | $7,493.00 (+2.11%) | $358,134 Land $38,634 Building $319,500 |
| 2022 | $7,338.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 90% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.04% 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 9 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 |
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