McCook County property record for 25120 430th Ave, Spencer, SD 57374
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,289 sqft · built 2007 |
| Lot Size | 29.3 acres (1,277,179 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,518 (2026) |
| Flood Zone | Zone A (high risk) |
| APN | 05.07.2004 |
| Primary APN | 05.07.2004 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,289 sqft Living Area |
| Gross Area | 4,178 sqft |
| 1st Floor Area | 2,089 sqft |
| Basement Area | 2,089 sqft |
| Finished Basement | 1,200 sqft |
| Unfinished Basement | 889 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 1,277,179 sqft (29.3 acres) |
| Garage Type | Attached |
| Garage Area | 924 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Deck Area | 112 sqft |
| Lean-To | 640 sqft |
| Utility Building | 3,000 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 25120 430TH AVE |
|---|---|
| City | SPENCER |
| State | SD |
| Zip | 57374-7613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N29.32 AC OF LOT 1 IN NW4NW4 7-103-56 |
| Legal Range | 56 |
| Legal Township | 103 |
| Legal Section | 07 |
| Legal Lot Number | 1 |
| Jurisdiction | MCCOOK SD |
| Township / Civil Division | BENTON |
| Census Block Group | 2 |
| Census Block | 2156 |
| Census Tract | 964600 |
25120 430th Ave is owned and occupied by two individuals.
Source: McCook County records, as of October 20, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 25120 430TH AVE, SPENCER, SD 57374-7613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 25120 430th Ave was $6,518.
Source: McCook County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | McCook County |
| County Subdivision | Benton Township |
| Unified School District | McCook Central School District 43-7 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,518.00 | $133,420 Land $104,320 Building $29,100 | $133,420 Land $104,320 Building $29,100 |
| 2023 | $440,560 Land $108,960 Building $331,600 | $440,560 Land $108,960 Building $331,600 | |
| 2022 | $4,352.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 25120 430th Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective March 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 25120 430th Ave is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · lower than 72% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.05% 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 | HANSON RURAL WATER SYSTEM private · serves 2,685 people · EPA ID SD4600878 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2025) 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.
Source: FCC Broadband Data Collection, as of December 31, 2025
5G (outdoors only) and 4G LTE
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