Union County property record for 27 Northshore Dr, McCook Lake, SD 57049 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,142 sqft · built 2015 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $290,000 (Nov 2013) |
| Tax Bill | $14,205 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage Mar 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.17.04.1005 |
| Primary APN | 05.17.04.1005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,142 sqft Living Area |
| Basement Area | 5,496 sqft |
| Finished Basement | 5,496 sqft |
| Interior Walls | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 146 ft deep x 91.4 ft wide |
| Garage Type | Detached |
| Garage Area | 1,008 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 27 NORTHSHORE DR |
|---|---|
| City | MCCOOK LAKE |
| State | SD |
| Zip | 57049-4013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KARPUK TR 1 SE1/4 4-89-48 NORTH SIOUX CITY |
| Legal Subdivision | WILLIAM HOLLIDAY |
| Legal Tract | 1 |
| Legal Block | B |
| Legal Lot Number | 1,1A |
| Legal Unit | 2 |
| Jurisdiction | UNION SD |
| Township / Civil Division | NORTH SIOUX CITY |
| Census Block Group | 3 |
| Census Block | 3064 |
| Census Tract | 20302 |
Source: Union County records · APN 05.17.04.1005
Assessment roll updated October 6, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 27 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Irrevocable Trust |
| Date | Document |
|---|---|
| Mar 05, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Mar 05, 2018 | Deed of Trust, Mortgage · ARM CENTRAL BANK |
| Mar 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE SECURITY NATIONAL BANK OF SIOUX CITY |
| Mar 04, 2025 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Jul 19, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 2013 · Amount on Record |
| Deed Sale | Nov 06, 2013 · Amount on Record |
| Deed Document Number | 20135239 |
| Deed Book / Page | 103 / 662 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 27 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00172/0138 |
|---|---|
| Date | Mar 05, 2018 |
| Book Page | 172/0138 |
| Instrument | 180849 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 27 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00172/0139 |
|---|---|
| Date | Mar 05, 2018 |
| Book Page | 172/0139 |
| Instrument | 180850 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Mar 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Margin | 4 |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 27 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000180/247 |
|---|---|
| Date | Mar 29, 2022 |
| Book Page | 180/247 |
| Instrument | 220897 |
| Name | THE SECURITY NATIONAL BANK OF SIOUX CITY |
|---|---|
| Type | Bank |
| Address | SIOUX CITY, IA 51101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Apr 01, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 5.37% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 9.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 27 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 27 NORTHSHORE DR, NORTH SIOUX CITY, SD 57049-4013 |
| Document Number | 000186/135 |
|---|---|
| Date | Mar 04, 2025 |
| Book Page | 186/135 |
| Instrument | 250456 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | 1545 HAWKINS BLVD STE 202, EL PASO, TX 79925 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 18, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Jul 19, 2023 |
| Property Address | 27 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Document Number | 000113/418 |
| Book / Page | 113 / 418 |
| Map Reference | MB 35 PG 51 |
| Instrument Date | Jul 13, 2023 |
| Instrument | 231645 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
Source: Union County records · Assessment roll updated October 6, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | North Sioux City |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $14,205.00 (-7.8%) | $952,256 (-15.47%) Land $111,137 Building $841,119 |
| 2024 | $15,407.00 (-8.83%) | |
| 2023 | $16,899.00 (+11.35%) | $1,126,506 Land $148,182 Building $978,324 |
| 2022 | $15,177.00 |
Source: FEMA National Flood Hazard Layer, Union County (46127C), updated May 31, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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