1645 Main St, Sturgis, SD 57785 Property Records

Meade County property record for 1645 Main St, Sturgis, SD 57785 · Last verified April 2026

Property Summary

Property Type	Commercial
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on File
Tax Bill	$2,360 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`01.51.10.04`

Property Details

APN / Parcel Number

Primary APN	`01.51.10.04`

Exterior

Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Street Address	1645 MAIN ST
City	STURGIS
State	SD
Zip	57785
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ASH'S EXT LOTS 4-6, BLK 10
Legal Block	10
Legal Lot Number	4-6
Jurisdiction	MEADE SD
Township / Civil Division	STURGIS
Census Block Group	4
Census Block	4061
Census Tract	20402

Owner

Source: Meade County records · APN 01.51.10.04

Assessment roll updated March 23, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	4020 S 26TH ST, PHILADELPHIA, PA 19112-1613
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2018	Deed of Trust, Mortgage · Commercial Mortgage WILMINGTON TRUST NA
Oct 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage PATHLIGHT CAPITAL FUND I LP
Jul 11, 2018	Deed of Trust, Mortgage WELLS FARGO BANK NA
Oct 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage ACF FINCO I LP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1645 MAIN ST, STURGIS, SD 57785
Transaction Type	Mortgage
Record Updated	Feb 07, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	904/506
Date	Jul 11, 2018
Book Page	904/506
Instrument	18004010

Lender

Name	WILMINGTON TRUST NA
Type	Bank
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1645 MAIN ST, STURGIS, SD 57785
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	919/1263
Date	Oct 18, 2019
Book Page	919/1263
Instrument	19006452

Lender

Name	PATHLIGHT CAPITAL FUND I LP
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1645 MAIN ST, STURGIS, SD 57785
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	904/527
Date	Jul 11, 2018
Book Page	904/527
Instrument	18004011

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SANTA MONICA, CA 90404

Agreement

Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1645 MAIN ST, STURGIS, SD 57785
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	919/1287
Date	Oct 18, 2019
Book Page	919/1287
Instrument	19006453

Lender

Name	ACF FINCO I LP
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Meade County records · Assessment roll updated March 23, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,360.00 (+1.29%) Additional exemption filed	$146,367 (+1.24%) Land $108,811 Building $37,556	$146,367 Land $108,811 Building $37,556
2024	$2,330.00 (-4.94%)
2023		$144,579 Land $108,811 Building $35,768
2022	$2,451.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Meade County (46093C), updated May 5, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 460930204024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Flood Insurance Cost	Premium on Record median of 18 individual NFIP policies nearby
Nearby Flood Policies	18 in force

Wildfire

Wildfire Risk	Low above 34% of the US · above 20% of South Dakota
Wildfire Likelihood	About 1 in 4,348 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 257 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	1,250 / 60
Clarity Telecom	Cable	1,000 / 30

May also be available at this address: Clarity Telecom, BHT Investment Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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