2300 Elk Rd, Sturgis, SD 57785 Property Records

Meade County property record for 2300 Elk Rd, Sturgis, SD 57785

Property Summary

Property Type	Single Family Home
Details	4 bd · built 1997
Lot Size	0.204 acres (8,866 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Oct 2021)
Tax Bill	$4,314 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01.09.02.37`

Property Details

APN / Parcel Number

Primary APN	`01.09.02.37`

Interior

Bedrooms	4 Beds

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	8,866 sqft (0.204 acres)

Location & Zoning

Street Address	2300 ELK RD
City	STURGIS
State	SD
Zip	57785-3310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HURLEY 1ST ADD'N LOT 37 BLK 2
Legal Subdivision	HURLEY FIRST ADD'N
Legal Block	2
Legal Lot Number	37
Jurisdiction	MEADE SD
Township / Civil Division	STURGIS
Census Block Group	1
Census Block	1077
Census Tract	20401

Owner

2300 Elk Rd is owned and occupied by two individuals who bought it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2300 ELK RD, STURGIS, SD 57785-3310
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2021	Deed of Trust, Mortgage · VA Mortgage LEND SMART MORTGAGE LLC
Oct 26, 2021	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Mar 4, 2020	Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on File
Deed Sale	Oct 26, 2021 · Amount on File
Prior Sale	Mar 4, 2020 · Amount on File
Deed Document Number	20218373
Deed Book / Page	952 / 365
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	2300 ELK RD, STURGIS, SD 57785-3310
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00940/1435
Date	Jan 6, 2021
Book Page	940/1435
Instrument	21000132

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	372 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Oct 26, 2021
Property Address	2300 ELK RD, STURGIS, SD 57785-3310
Document Number	000952/365
Book / Page	952 / 365
Map Reference	MB 19 PG 32
Instrument Date	Oct 22, 2021
Instrument	21008373
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2300 ELK RD, STURGIS, SD 57785-3310

Mortgage

Document Number	00955/1887
Date	Oct 26, 2021
Book Page	955/1887
Instrument	21008374

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Mar 4, 2020
Property Address	2300 ELK RD, STURGIS, SD 57785-3310
Document Number	00916/1098
Book / Page	916 / 1098
Instrument Date	Mar 4, 2020
Instrument	20001310
Transaction Type	Transfer
Record Updated	Dec 29, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2109 COOPER LOOP, 2109, STURGIS, SD 57785-2229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2300 ELK RD, STURGIS, SD 57785-3310

Mortgage

Document Number	0020001311
Date	Mar 4, 2020
Instrument	20001311

Lender

Name	LEND SMART MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2300 Elk Rd was $4,314, up 13.9% 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		$321,456 (-) Land $43,500 Building $277,956	$321,456 (-) Land $43,500 Building $277,956
2025	$4,314.00 (+13.95%) Additional exemption filed	$321,456 Land $43,500 Building $277,956	$321,456 Land $43,500 Building $277,956
2024	$3,786.00
2023		$285,201 Land $43,500 Building $241,701
2022	$3,920.00

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

Flood

FEMA maps place 2300 Elk Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 2300 Elk Rd is moderate, ranking above 46% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 66% of South Dakota
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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