1316 Over Dr, Vermillion, SD 57069 Property Records

Clay County property record for 1316 Over Dr, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,142 sqft · built 2014
Lot Size	0.977 acres (42,543 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jun 2021)
Tax Bill	$7,577 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15297-00100-040-00`

Property Details

APN / Parcel Number

Primary APN	`15297-00100-040-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,142 sqft Living Area
Gross Area	3,230 sqft
1st Floor Area	1,615 sqft
Basement Area	1,615 sqft
Finished Basement	1,527 sqft
Unfinished Basement	1,615 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Block
Roof Material	Composition Shingle
Lot Area	42,543 sqft (0.977 acres)
Garage Type	Attached
Garage Area	1,053 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1316 OVER DR
City	VERMILLION
State	SD
Zip	57069-1093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 1 GARRYOWEN
Legal Subdivision	GARRYOWEN ADDITION
Legal Block	1
Legal Lot Number	4
Jurisdiction	CLAY SD
Township / Civil Division	VERMILLION
Census Block Group	3
Census Block	3018
Census Tract	965700

Owner

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	1316 OVER DR, VERMILLION, SD 57069-1093
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2021145693
Deed Book / Page	82 / 249
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY SD
Recording Date	Jun 30, 2021
Property Address	1316 OVER DR, VERMILLION, SD 57069-1093
Document Number	D82/249
Book / Page	D82 / 249
Instrument Date	Jun 30, 2021
Instrument	145693
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1316 OVER DR, VERMILLION, SD 57069-1093

Mortgage

Document Number	145694
Date	Jun 30, 2021
Instrument	145694

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Clay County
Municipality	Vermillion City
Unified School District	Vermillion School District 13-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,577.00 (-7.91%)	$421,269 (+7.02%) Land $46,797 Building $374,472
2023	$8,228.00 (+1.98%)	$393,652 Land $37,012 Building $356,640
2022	$8,068.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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

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.

Drinking Water

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

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 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