Union County property record for 208 Spruce Ct, Elk Point, SD 57025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,096 sqft · built 1971 |
| Lot Size | 0.279 acres (12,166 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Jun 2024) |
| Tax Bill | $4,961 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 03.08.01.1025 |
| Primary APN | 03.08.01.1025 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,096 sqft Living Area |
| Basement Area | 465 sqft |
| Finished Basement | 465 sqft |
| Unfinished Basement | 1,064 sqft |
| Interior Walls | Wood |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 12,166 sqft (0.279 acres) |
| Lot Dimensions | 158 ft deep x 77 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 208 SPRUCE CT |
|---|---|
| City | ELK POINT |
| State | SD |
| Zip | 57025-2161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 BLK 1 SOUTHVIEW SUBDIV E P CITY |
| Legal Range | 49 |
| Legal Township | 91 |
| Legal Section | 19 |
| Legal Subdivision | SOUTHVIEW SUBDIV |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | ELK POINT |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 20200 |
Source: Union County records, as of October 20, 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 | 208 SPRUCE CT, ELK POINT, SD 57025-2161 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST DAKOTA NATIONAL BANK |
| Apr 19, 2022 | Deed of Trust, Mortgage · Line of Credit DAKOTALAND FCU |
| Mar 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage DAKOTALAND FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2024 · Amount on Record |
| Deed Sale | Jun 27, 2024 · Amount on Record |
| Prior Sale | Sep 15, 2020 · Amount on Record |
| Deed Document Number | 2024 |
| Prior Transfer Date | Jun 23, 2008 |
| Prior Transfer Doc | 00M45/0219 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 208 SPRUCE CT, ELK POINT, SD 57025-2161 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 208 SPRUCE CT, ELK POINT, SD 57025-2161 |
| Document Number | 000182/257 |
|---|---|
| Date | May 26, 2023 |
| Book Page | 182/257 |
| Instrument | 231190 |
| Name | FIRST DAKOTA NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | ELK POINT, SD 57025 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 208 SPRUCE CT, ELK POINT, SD 57025-2161 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000180/313 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 180/313 |
| Instrument | 221156 |
| Name | DAKOTALAND FCU |
|---|---|
| Type | Credit Union |
| Address | HURON, SD 57350 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Apr 25, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Mar 17, 2022 |
| Property Address | 208 SPRUCE CT, ELK POINT, SD 57025-2161 |
| Document Number | 000112/158 |
| Book / Page | 112 / 158 |
| Instrument Date | Mar 9, 2022 |
| Instrument | 220787 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 S PEARL ST, 401, ELK POINT, SD 57025-2367 |
| Name | Verified Name |
|---|---|
| Address | 208 SPRUCE CT, ELK POINT, SD 57025-2161 |
| Document Number | 0000180216 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | 180/216 |
| Name | DAKOTALAND FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 14, 2032 |
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | Elk Point City |
| Unified School District | Elk Point-Jefferson School District 61-7 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $4,961.00 | $297,793 (-) Land $23,759 Building $274,034 |
| 2025 | $4,961.00 (+7.92%) | $297,793 (+9.13%) Land $23,759 Building $274,034 |
| 2024 | $4,597.00 (-2.5%) | |
| 2023 | $4,715.00 (-18.52%) | $272,881 Land $23,759 Building $249,122 |
| 2022 | $5,787.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective May 31, 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 80% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | ELK POINT serves 2,124 people · EPA ID SD4600116 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Also Mapped Here | CLAY RURAL WATER SYSTEM |
| Lead | 2 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Bluepeak Cable · Fiber in parts of the area | 1,000 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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