301 Lakeshore Dr, McCook Lake (North Sioux City), SD 57049 Property Records

Union County property record for 301 Lakeshore Dr, McCook Lake, SD 57049

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,552 sqft · built 2005
Lot Size	0.566 acres (24,648 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,300,000 (Oct 2020)
Tax Bill	$11,835 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05.16.04.1035`

Property Details

APN / Parcel Number

Primary APN	`05.16.04.1035`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,552 sqft Living Area
Basement Area	1,887 sqft
Finished Basement	1,887 sqft
Unfinished Basement	840 sqft
Flooring	Stone
Interior Walls	Stone
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	24,648 sqft (0.566 acres)
Lot Dimensions	158 ft deep x 156 ft wide
Garage Type	Attached
Garage Area	1,025 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	301 LAKESHORE DR
City	MCCOOK LAKE
State	SD
Zip	57049-4002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 301 LESS E5' LESS LOT 301-A S1/2 OF GOV'T LOT 1 N SIOUX CITY
Legal Range	48
Legal Township	89
Legal Section	04
Legal Lot Number	301,1
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	NORTH SIOUX CITY
Census Block Group	3
Census Block	3068
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	2 Individual Names on Record
Mailing Address	301 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage SIOUXLAND FCU
Oct 8, 2020	Warranty Deed, Transfer · Conventional Mortgage SIOUXLAND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Deed Document Number	20204846
Deed Book / Page	110 / 588
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	301 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	174/0909
Date	Nov 12, 2019
Book Page	174/0909
Instrument	194811

Lender

Name	SIOUXLAND FCU
Type	Credit Union
Address	SOUTH SIOUX CITY, NE 68776

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	7.5%
Index	10-Year TN
Margin	3
Max Rate	11.5%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Oct 8, 2020
Property Address	301 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002
Document Number	000110/588
Book / Page	110 / 588
Instrument Date	Sep 22, 2020
Instrument	204846
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	906 WILDFLOWER BND, 906, NORTH SIOUX CITY, SD 57049-5230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	301 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002

Mortgage

Document Number	0001761138
Date	Oct 8, 2020
Instrument	176/1138

Lender

Name	SIOUXLAND FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Nov 1, 2035
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.75%
Index	1-Year CMT
Margin	3
Max Rate	8.75%

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	$11,835.00 (+0.77%)	$793,397 (-) Land $207,445 Building $585,952
2024	$11,745.00 (-1.06%)
2023	$11,871.00 (+11.64%)	$793,397 Land $207,445 Building $585,952
2022	$10,633.00

Assessed value is set for property tax purposes and is not a market price estimate.

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 66% of the US · lower than 80% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable	1,500 / 50
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: ImOn Communications.

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