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1415 Spruce St, Sturgis, SD 57785 Property Records

Meade County property record for 1415 Spruce St, Sturgis, SD 57785

Property Summary

Property TypeSingle Family Home
Details4 bd · built 1940
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$323,000 (Mar 2022)
Tax Bill$5,587 (2025)
Deeds & MortgagesAug 2019 Mortgage
Apr 2022 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN01.53.11.08

Property Details

APN / Parcel Number

Primary APN01.53.11.08

Interior

Bedrooms4 Beds

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Lot Area8,276 sqft (0.19 acres)

Location & Zoning

Street Address1415 SPRUCE ST
CitySTURGIS
StateSD
Zip57785-1825
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionDEED BOSWORTH S 22.5' LOT 7, ALL LOT 8, N2 LOT 9 BLK 11
Legal SubdivisionBOSWORTH
Legal Block11
Legal Lot Number7-9
JurisdictionMEADE SD
Township / Civil DivisionSTURGIS
Census Block Group2
Census Block2028
Census Tract20402

Owner

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 Record2 Individual Names on File
Mailing Address1415 SPRUCE ST, STURGIS, SD 57785-1825
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 2, 2019Deed of Trust, Mortgage · VA Mortgage
CARDINAL FINANCIAL CO
Apr 18, 2022Deed of Trust, Mortgage · Conventional Mortgage
NEIGHBORHOOD LENDING SERVICES
Mar 4, 2022Warranty Deed, Transfer · FHA Mortgage
CMG MORTGAGE INC
Aug 2, 2019Warranty Deed, Transfer
Nov 20, 2017Warranty Deed, Transfer
FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 4, 2022 · Amount on Record
Deed SaleMar 4, 2022 · Amount on Record
Prior SaleNov 20, 2017 · Amount on Record
Deed Document Number20221442
Deed Book / Page952 / 1120
Record UpdatedJun 8, 2026

August 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMEADE SD
Property Address1415 SPRUCE ST, STURGIS, SD 57785-1825
Transaction TypeMortgage
Record UpdatedMar 6, 2024

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number000917/293
DateAug 2, 2019
Book Page917/293
Instrument19004582
Lender
NameCARDINAL FINANCIAL CO
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2049
Interest
Rate TypeFixed Rate

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMEADE SD
Property Address1415 SPRUCE ST, STURGIS, SD 57785-1825
Transaction TypeMortgage
Record UpdatedAug 11, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number000962/714
DateApr 18, 2022
Book Page962/714
Instrument22002557
Lender
NameNEIGHBORHOOD LENDING SERVICES
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueMar 1, 2032
Interest
Rate TypeFixed Rate

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMEADE SD
Recording DateMar 4, 2022
Property Address1415 SPRUCE ST, STURGIS, SD 57785-1825
Document Number00952/1120
Book / Page952 / 1120
Instrument DateMar 4, 2022
Instrument22001442
Transaction TypeTransfer
Record UpdatedMar 16, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$323.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1415 SPRUCE ST, STURGIS, SD 57785-1825

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1415 SPRUCE ST, STURGIS, SD 57785-1825

Mortgage

Document Number00960/1966
DateMar 4, 2022
Book Page960/1966
Instrument22001443
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2052
Interest
Rate TypeFixed Rate

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMEADE SD
Recording DateAug 2, 2019
Property Address1415 SPRUCE ST, STURGIS, SD 57785-1825
Document Number0000916/64
Book / Page916 / 64
Instrument DateJul 31, 2019
Instrument19004581
Transaction TypeTransfer
Record UpdatedMar 16, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1415 SPRUCE ST, STURGIS, SD 57785-1825

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMEADE SD
Recording DateNov 20, 2017
Property Address1415 SPRUCE ST, STURGIS, SD 57785-1825
Document Number000890/978
Book / Page890 / 978
Instrument DateNov 9, 2017
Instrument17007194
Transaction TypeTransfer
Record UpdatedMar 16, 2023
Title CompanyFIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$77.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 1582, RAPID CITY, SD 57709-1582

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateSouth Dakota
CountyMeade County
MunicipalitySturgis City
Unified School DistrictMeade School District 46-1 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,587.00 (+5.69%) Additional exemption filed$416,283 (+27.79%) Land $36,036 Building $380,247$416,283 Land $36,036 Building $380,247
2024$5,286.00 (+18.07%)
2023$325,748 Land $36,036 Building $289,712
2022$4,477.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Nearby Flood Policies17 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 RiskLow
lower than 80% of the US · lower than 85% of South Dakota
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSTURGIS
serves 7,020 people · EPA ID SD4600321
Water SourceGroundwater
Last State InspectionDec 2023
Lead2 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 442 locations within half a mile, as of December 31, 2025

ProviderMax 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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