1385 Otter Rd, Sturgis, SD 57785 Property Records

Meade County property record for 1385 Otter Rd, Sturgis, SD 57785

Property Summary

Property Type	Single Family Home
Details	4 bd · built 2006
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Oct 2020)
Tax Bill	$5,603 (2025)
Deeds & Mortgages	Jul 2025 Sale Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01.40.10`

Property Details

APN / Parcel Number

Primary APN	`01.40.10`

Interior

Bedrooms	4 Beds

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	40,511 sqft (0.93 acres)

Location & Zoning

Street Address	1385 OTTER RD
City	STURGIS
State	SD
Zip	57785-3347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VISTA ESTATES SUB LOT 10
Legal Subdivision	VISTA ESTATES SUB
Legal Lot Number	10
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	2 Individual Names on Record
Mailing Address	1385 OTTER RD, STURGIS, SD 57785-3347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2025	Warranty Deed, Transfer
Oct 13, 2020	Warranty Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE GROUP INC
May 11, 2018	Warranty Deed, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Prior Sale	May 11, 2018 · Amount on Record
Deed Document Number	20207134
Deed Book / Page	934 / 205
Prior Transfer Date	Apr 15, 2015
Prior Transfer Doc	00853/1724
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Jul 8, 2025
Property Address	1385 OTTER RD, STURGIS, SD 57785-3347
Document Number	000993/620
Book / Page	993 / 620
Map Reference	MB 21 PG 123-124
Instrument Date	Jul 7, 2025
Instrument	25003841
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1385 OTTER RD, STURGIS, SD 57785-3347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1385 OTTER RD, STURGIS, SD 57785-3347

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Oct 13, 2020
Property Address	1385 OTTER RD, STURGIS, SD 57785-3347
Document Number	000934/205
Book / Page	934 / 205
Map Reference	MB 21 PG 123-124
Instrument Date	Oct 8, 2020
Instrument	20007134
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1385 OTTER RD, STURGIS, SD 57785-3347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1385 OTTER RD, STURGIS, SD 57785-3347

Mortgage

Document Number	00935/1909
Date	Oct 13, 2020
Book Page	935/1909
Instrument	20007135

Lender

Name	GATEWAY MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	May 11, 2018
Property Address	1385 OTTER RD, STURGIS, SD 57785-3347
Document Number	00890/1837
Book / Page	890 / 1837
Map Reference	PL 21 PG 123
Instrument Date	May 11, 2018
Instrument	18002726
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 E FAIRMONT BLVD, RAPID CITY, SD 57701-7526
Investor	Possibly a Property Investor

Mortgage

Document Number	00901/1763
Date	May 11, 2018
Book Page	901/1763
Instrument	18002727

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 6, 2048

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		$417,491 (-) Land $48,000 Building $369,491	$417,491 (-) Land $48,000 Building $369,491
2025	$5,603.00 (+1.1%) Additional exemption filed	$417,491 (-) Land $48,000 Building $369,491	$417,491 Land $48,000 Building $369,491
2024	$5,542.00 (-3.42%) Additional exemption filed	$417,491 (-) Land $48,000 Building $369,491
2023		$417,491 Land $48,000 Building $369,491
2022	$5,738.00

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 51% of the US · lower than 60% of South Dakota
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 1,000
Bluepeak Cable · Fiber in parts of the area	1,000 / 30
Wisp West Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

1385 Otter Rd, Sturgis, SD 57785 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Otter Rd

Nearby Streets

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