Meade County property record for 1497 Otter Rd, Sturgis, SD 57785
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · built 2006 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $287,000 (Feb 2017) |
| Tax Bill | $4,604 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01.40.04 |
| Primary APN | 01.40.04 |
|---|
| Bedrooms | 3 Beds |
|---|
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 29,621 sqft (0.68 acres) |
| Street Address | 1497 OTTER RD |
|---|---|
| City | STURGIS |
| State | SD |
| Zip | 57785-3348 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VISTA ESTATES SUB LOT 4 ASSESSED EQUALIZED LOCAL COUNTY STATE EXEMPT ACRES UNITS VALUE VALUE BOARD BOARD BOARD AMOUNT |
| Legal Subdivision | VISTA ESTATES SUB |
| Legal Lot Number | 4 |
| Jurisdiction | MEADE SD |
| Township / Civil Division | STURGIS |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 20401 |
1497 Otter Rd is owned and occupied by an individual who bought it in February 2017.
Source: Meade County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1497 OTTER RD, STURGIS, SD 57785-3348 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Feb 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Feb 17, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 17, 2017 · Amount on File |
| Deed Sale | Feb 17, 2017 · Amount on File |
| Deed Document Number | 20171036 |
| Deed Book / Page | 877 / 1404 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1497 OTTER RD, STURGIS, SD 57785-3348 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 930/648 |
|---|---|
| Date | Jun 22, 2020 |
| Book Page | 930/648 |
| Instrument | 20003855 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MEADE SD |
| Property Address | 1497 OTTER RD, STURGIS, SD 57785-3348 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 885/1848 |
|---|---|
| Date | Feb 17, 2017 |
| Book Page | 885/1848 |
| Instrument | 17001037 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MEADE SD |
| Recording Date | Feb 17, 2017 |
| Property Address | 1497 OTTER RD, STURGIS, SD 57785-3348 |
| Document Number | 00877/1404 |
| Book / Page | 877 / 1404 |
| Map Reference | PL 21 PG 123 |
| Instrument Date | Feb 16, 2017 |
| Instrument | 17001036 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1497 OTTER RD, 1497, STURGIS, SD 57785-3348 |
| Name | Verified Name |
|---|---|
| Address | 1103 SITKA ST, RAPID CITY, SD 57701-2085 |
The 2025 property tax bill for 1497 Otter Rd was $4,604, up 1.1% from the year before.
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 |
|---|---|---|---|
| 2026 | $343,072 (-) Land $38,718 Building $304,354 | $343,072 (-) Land $38,718 Building $304,354 | |
| 2025 | $4,604.00 (+1.1%) Additional exemption filed | $343,072 Land $38,718 Building $304,354 | $343,072 Land $38,718 Building $304,354 |
| 2024 | $4,554.00 | ||
| 2023 | $343,072 Land $38,718 Building $304,354 | ||
| 2022 | $4,715.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1497 Otter Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 1497 Otter Rd is moderate, ranking above 59% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 56% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 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 |
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