McCook County property record for 209 W 5th St, Spencer, SD 57374
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1998 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,729 (2026) |
| Flood Zone | Zone X (moderate risk) |
| APN | 20.00.0801 |
| Primary APN | 20.00.0801 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Gross Area | 1,536 sqft |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 28,314 sqft (0.65 acres) |
| Lot Dimensions | 142 ft deep x 200 ft wide |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 209 W 5TH ST |
|---|---|
| City | SPENCER |
| State | SD |
| Zip | 57374-2105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 1, 2, 3 & 4 BLK 8 OT |
| Legal Block | 8 |
| Legal Lot Number | 1-4 |
| Jurisdiction | MCCOOK SD |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2195 |
| Census Tract | 964600 |
209 W 5th St is owned by an individual who acquired it in May 2011.
Source: McCook County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 42202 245TH ST, ALEXANDRIA, SD 57311-8017 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2011 |
| Deed Sale | May 2, 2011 |
| Deed Book / Page | 184 / 629 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 209 W 5th St was $2,729.
Source: McCook County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | McCook County |
| Municipality | Spencer City |
| Unified School District | McCook Central School District 43-7 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,729.00 | $102,400 Land $2,400 Building $100,000 | $102,400 Land $2,400 Building $100,000 |
| 2023 | $62,700 Land $2,000 Building $60,700 | $62,700 Land $2,000 Building $60,700 | |
| 2022 | $2,189.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 209 W 5th St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 10, 2025 · 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 | 3 in force |
| Nearby Flood Claims | 2 (1997) |
| Most Recent Claim | Mar 1997 · Severe Flooding, Sever Winter Storms,heavy Rains High Winds |
| Claims by Event |
|
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 209 W 5th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 93% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.02% 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 | SPENCER serves 170 people · EPA ID SD4600407 |
|---|---|
| Water Source | Purchased surface water from HANSON RURAL WATER SYSTEM |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Aug 2016 |
| 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 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrioTel Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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