21 Northshore Dr, McCook Lake (North Sioux City), SD 57049 Property Records

Union County property record for 21 Northshore Dr, McCook Lake, SD 57049

Property Summary

Property Type	Other Improved
Details	3 bd · 1,564 sqft · built 1932
Lot Size	0.289 acres (12,571 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (May 2024)
Tax Bill	$266 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit Sep 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05.15.04.1095`

Property Details

APN / Parcel Number

Primary APN	`05.15.04.1095`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,564 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	12,571 sqft (0.289 acres)
Lot Dimensions	193 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	21 NORTHSHORE DR
City	MCCOOK LAKE
State	SD
Zip	57049-4013
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT 18 CHAS HALLIDAY TR1 SE1/4 INC 25' VAC OLD LEISURE LN N SIOUX CITY
Legal Subdivision	CHARLES HALLIDAY TRACT NO 1
Legal Tract	1
Legal Block	B
Legal Lot Number	18
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	NORTH SIOUX CITY
Census Block Group	3
Census Block	3064
Census Tract	20302

Owner

Source: Union County records, as of April 7, 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 Record
Mailing Address	PO BOX 158, NORTH SIOUX CITY, SD 57049-0158
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2020	Deed of Trust, Mortgage · Line of Credit COMMERCIAL STATE BANK (ANDREWS TX)
Sep 25, 2019	Deed of Trust, Mortgage · Line of Credit COMMERCIAL STATE BANK (ANDREWS TX)
Jun 4, 2024	Deed of Trust, Mortgage · Line of Credit LIBERTY NATIONAL BANK
Jun 4, 2024	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2024 · Amount on Record
Deed Sale	May 28, 2024 · Amount on Record
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	21 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000176/338
Date	Apr 14, 2020
Book Page	176/338
Instrument	201659

Lender

Name	COMMERCIAL STATE BANK (ANDREWS TX)
Type	Bank
Address	WAGNER, SD 57380

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	50 Months
Due	Jun 10, 2024

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	21 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00174/0759
Date	Sep 25, 2019
Book Page	174/0759
Instrument	193993

Lender

Name	COMMERCIAL STATE BANK (ANDREWS TX)
Type	Bank
Address	WAGNER, SD 57380

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	57 Months
Due	Jun 10, 2024

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	21 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000184/264
Date	Jun 4, 2024
Book Page	184/264
Instrument	241059

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank
Address	324 DAKOTA DUNES BLVD, DAKOTA DUNES, SD 57049

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2024: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	UNION SD
Recording Date	Jun 4, 2024
Property Address	21 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013
Document Number	000114/257
Book / Page	114 / 257
Instrument Date	May 28, 2024
Instrument	241058
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 N DERBY LN, NORTH SIOUX CITY, SD 57049-3020

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Municipality	North Sioux City
Unified School District	Dakota Valley School District 61-8 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$266.00 (-89.73%)	$14,961 (-91.44%) Land $11,601 Building $3,360
2024	$2,589.00 (+137.31%)
2023	$1,091.00 (-6.99%)	$174,786 Land $116,006 Building $58,780
2022	$1,173.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 2 claims

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% of South Dakota
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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	NORTH SIOUX CITY serves 3,042 people · EPA ID SD4600226
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2023) 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable · Fiber in parts of the area	1,500 / 50
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: ImOn Communications.

Nearby Properties on Northshore Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures