1912 Elk Rd, Sturgis, SD 57785 Property Records

Meade County property record for 1912 Elk Rd, Sturgis, SD 57785

Property Summary

Property Type	Single Family Home
Details	3 bd · built 1996
Lot Size	0.18 acres (7,853 sqft)
Owner	Individual Name on File
Tax Bill	$3,835 (2025)
Deeds & Mortgages	May 2019 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01.09.01.04`

Property Details

APN / Parcel Number

Primary APN	`01.09.01.04`

Interior

Bedrooms	3 Beds

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	7,853 sqft (0.18 acres)

Location & Zoning

Street Address	1912 ELK RD
City	STURGIS
State	SD
Zip	57785-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HURLEY FIRST ADDN LOT 4 BLK 1
Legal Subdivision	HURLEY FIRST ADDN
Legal Block	1
Legal Lot Number	4
Jurisdiction	MEADE SD
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1032
Census Tract	20401

Owner

1912 Elk Rd is owned and occupied by an individual who acquired it in November 2011.

Source: Meade County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1912 ELK RD, STURGIS, SD 57785-3316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN HILLS FCU
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN HILLS FCU
May 25, 2016	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN HILLS FCU
Jan 8, 2026	Intrafamily Transfer, Transfer · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Nov 21, 2022	Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2011
Deed Sale	Nov 23, 2011
Deed Document Number	20114480-CV
Deed Book / Page	813 / 697
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1912 ELK RD, STURGIS, SD 57785-3316
Transaction Type	Mortgage
Record Updated	Apr 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000913/190
Date	May 28, 2019
Book Page	913/190
Instrument	19002999

Lender

Name	NORTHERN HILLS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Jun 1, 2026

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1912 ELK RD, STURGIS, SD 57785-3316
Transaction Type	Mortgage
Record Updated	Apr 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000955/5
Date	Sep 30, 2021
Book Page	955/5
Instrument	21007648

Lender

Name	NORTHERN HILLS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Oct 1, 2028

Interest

Rate Type	Fixed Rate

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	1912 ELK RD, STURGIS, SD 57785-3316
Transaction Type	Mortgage
Record Updated	Apr 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00875/1745
Date	May 25, 2016
Book Page	875/1745
Instrument	16002967

Lender

Name	NORTHERN HILLS FCU
Address	STURGIS, SD 57785

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	85 Months
Due	Jun 1, 2023

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MEADE SD
Recording Date	Jan 8, 2026
Property Address	1912 ELK RD, STURGIS, SD 57785-3316
Document Number	00993/1509
Book / Page	993 / 1509
Map Reference	MB 18 PG 52
Instrument Date	Dec 8, 2025
Instrument	26000147
Transaction Type	Transfer
Record Updated	Apr 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1912 ELK RD, STURGIS, SD 57785-3316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1912 ELK RD, STURGIS, SD 57785-3316

Mortgage

Document Number	0026000148
Date	Jan 8, 2026
Instrument	26000148

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Nov 21, 2022
Property Address	1912 ELK RD, STURGIS, SD 57785-3316
Document Number	000967/526
Book / Page	967 / 526
Map Reference	MB 18 PG 52
Instrument Date	Oct 5, 2022
Instrument	22007482
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1912 ELK RD, STURGIS, SD 57785-3316

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 S 32ND ST, SPEARFISH, SD 57783-9737

Mortgage

Document Number	0000971/11
Date	Nov 21, 2022
Book Page	971/11
Instrument	22007483

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1912 Elk Rd was $3,835, up 13.7% from the year before.

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		$285,744 (-) Land $43,500 Building $242,244	$285,744 (-) Land $43,500 Building $242,244
2025	$3,835.00 (+13.66%) Additional exemption filed	$285,744 (+12.43%) Land $43,500 Building $242,244	$285,744 Land $43,500 Building $242,244
2024	$3,374.00 Additional exemption filed	$254,147 (-) Land $43,500 Building $210,647
2023		$254,147 Land $43,500 Building $210,647
2022	$3,493.00

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

Flood

FEMA maps place 1912 Elk Rd in Zone X, an area of minimal flood risk.

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 minimal risk
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

Wildfire risk around 1912 Elk Rd is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 69% 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	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 219 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

May also be available: CenturyLink.

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