Meade County property record for 1315 Spruce St, Sturgis, SD 57785
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · built 1906 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,175 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01.53.06.03 |
| Primary APN | 01.53.06.03 |
|---|
| Bedrooms | 7 Beds |
|---|
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Lot Area | 10,498 sqft (0.241 acres) |
| Street Address | 1315 SPRUCE ST |
|---|---|
| City | STURGIS |
| State | SD |
| Zip | 57785-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOSWORTH LOTS 3-5, BLK 6 |
| Legal Subdivision | BOSWORTH |
| Legal Block | 6 |
| Legal Lot Number | 3-5 |
| Jurisdiction | MEADE SD |
| Township / Civil Division | STURGIS |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 20402 |
Source: Meade County assessment roll, as of March 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 File |
|---|---|
| Mailing Address | 1315 SPRUCE ST, STURGIS, SD 57785-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NORTHERN HILLS FCU |
| Oct 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NORTHERN HILLS FCU |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY MORTGAGE GROUP INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jan 2, 2009 |
| Transfer Doc | 00772/1417 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1315 SPRUCE ST, STURGIS, SD 57785-1824 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000906/350 |
|---|---|
| Date | Oct 1, 2018 |
| Book Page | 906/350 |
| Instrument | 18005837 |
| Name | NORTHERN HILLS FCU |
|---|---|
| Type | Credit Union |
| Address | STURGIS, SD 57785 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1315 SPRUCE ST, STURGIS, SD 57785-1824 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000895/821 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 895/821 |
| Instrument | 17006719 |
| Name | NORTHERN HILLS FCU |
|---|---|
| Address | STURGIS, SD 57785 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Nov 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1315 SPRUCE ST, STURGIS, SD 57785-1824 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000959/563 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | 959/563 |
| Instrument | 21010114 |
| Name | GATEWAY MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 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 |
|---|---|---|---|
| 2025 | $5,175.00 (+5.55%) Additional exemption filed | $385,566 (+26.63%) Land $45,046 Building $340,520 | $385,566 Land $45,046 Building $340,520 |
| 2024 | $4,903.00 (+17.16%) | ||
| 2023 | $304,490 Land $45,046 Building $259,444 | ||
| 2022 | $4,185.00 |
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 |
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) |
|---|---|
| Midcontinent Communications Cable | 2,000 / 1,000 |
| Clarity Telecom Cable · Fiber in parts of the area | 1,000 / 30 |
| BHT Investment Holdings Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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