1315 Otter Rd, Sturgis, SD 57785 Property Records

Meade County property record for 1315 Otter Rd, Sturgis, SD 57785

Property Summary

Property Type	Single Family Home
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$23,000 (Jan 2018)
Tax Bill	$5,896 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Mar 2021 Sale + 2 more
Flood Zone	Zone X (moderate risk)
APN	`01.40.15`

Property Details

APN / Parcel Number

Primary APN	`01.40.15`

Exterior

Lot Area	44,867 sqft (1.03 acres)

Location & Zoning

Street Address	1315 OTTER RD
City	STURGIS
State	SD
Zip	57785-3347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VISTA ESTATES SUB LOT 15
Legal Subdivision	VISTA ESTATES SUB
Legal Lot Number	15
Jurisdiction	MEADE SD
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1027
Census Tract	20401

Owner

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	1315 OTTER RD, STURGIS, SD 57785-3347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit PLAINS COMMERCE BANK
Mar 12, 2021	Warranty Deed, Transfer
Jan 29, 2018	Warranty Deed, Transfer CHOICE FINANCIAL GROUP
Feb 13, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2018 · Amount on Record
Deed Sale	Jan 29, 2018 · Amount on Record
Prior Sale	Apr 25, 2011 · Amount on Record
Deed Document Number	2018529
Deed Book / Page	890 / 1265
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1315 OTTER RD, STURGIS, SD 57785-3347
Transaction Type	Mortgage
Record Updated	Nov 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00979/1521
Date	Oct 20, 2023
Book Page	979/1521
Instrument	23005981

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Mar 12, 2021
Property Address	1315 OTTER RD, STURGIS, SD 57785-3347
Document Number	00934/1047
Book / Page	934 / 1047
Map Reference	MB 21 PG 123-124
Instrument Date	Mar 10, 2021
Instrument	21001948
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount Recorded
Tax	$49.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1181 11TH ST W, DICKINSON, ND 58601-3647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2303 S BALDWIN ST, STURGIS, SD 57785-2502

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Jan 29, 2018
Property Address	1315 OTTER RD, STURGIS, SD 57785-3347
Document Number	00890/1265
Book / Page	890 / 1265
Map Reference	PL 21 PG 123-124
Instrument Date	Jan 26, 2018
Instrument	18000529
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3221 PINE TREE TRL, STURGIS, SD 57785-2734

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	418 5TH ST SE, SIDNEY, MT 59270-5019
Investor	Possibly a Property Investor

Mortgage

Document Number	000898/850
Date	Jan 29, 2018
Book Page	898/850
Instrument	18000530

Lender

Name	CHOICE FINANCIAL GROUP
Type	Lending Institution
Address	DICKINSON, ND 58601

Agreement

Amount	Amount Recorded
Term	63 Months
Due	Apr 1, 2023

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Feb 13, 2018
Property Address	1315 OTTER RD, STURGIS, SD 57785-3347
Document Number	00890/1366
Book / Page	890 / 1366
Map Reference	PL 21 PG 123-124
Instrument Date	Jan 26, 2018
Instrument	18000834
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3221 PINE TREE TRL, STURGIS, SD 57785-2734

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	418 5TH ST SE, SIDNEY, MT 59270-5019

Tax Assessment & Valuation

Source: Meade County assessment roll, as of March 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$439,341 (-) Land $48,000 Building $391,341	$439,341 (-) Land $48,000 Building $391,341
2025	$5,896.00 (-16.73%) Additional exemption filed	$439,341 (+815.29%) Land $48,000 Building $391,341	$439,341 Land $48,000 Building $391,341
2024	$7,081.00 (+769.9%)
2023		$48,000 Land $48,000
2022	$814.00

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

Flood

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 67% of South Dakota
Wildfire Likelihood	0.08% 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	STURGIS serves 7,020 people · EPA ID SD4600321
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2024) 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, 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 157 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
Wisp West Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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