Clay County property record for 302 Elm St, Vermillion, SD 57069
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,162 sqft · built 1897 |
| Lot Size | 0.157 acres (6,825 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Dec 2020) |
| Tax Bill | $2,137 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage Oct 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15720-05900-060-03 |
| Primary APN | 15720-05900-060-03 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,162 sqft Living Area |
| Gross Area | 2,268 sqft |
| 1st Floor Area | 1,162 sqft |
| Basement Area | 1,106 sqft |
| Unfinished Basement | 1,106 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,825 sqft (0.157 acres) |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 302 ELM ST |
|---|---|
| City | VERMILLION |
| State | SD |
| Zip | 57069-2126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 91 OF 6 & 7 EXC N 13 OF E 91 OF LOT 6 BLK 59 SNYDERS |
| Legal Subdivision | SYNDERS ADDITION |
| Legal Block | 59 |
| Legal Lot Number | 6 |
| Jurisdiction | CLAY SD |
| Township / Civil Division | VERMILLION |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 965900 |
Source: Clay County records, as of June 30, 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 | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2023 | Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN |
| Oct 7, 2020 | Deed of Trust, Mortgage · Line of Credit CORTRUST BANK NA |
| Dec 14, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage THE SOUTH DAKOTA HOUSING DEVELOPMEN |
| Dec 14, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage THE SOUTH DAKOTA HOUSING DEVELOPMEN |
| Oct 7, 2020 | Deed of Trust, Mortgage · Line of Credit CORTRUST BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2020 · Amount on Record |
| Deed Sale | Dec 14, 2020 · Amount on Record |
| Deed Document Number | 2020144254 |
| Deed Book / Page | 81 / 913 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Document Number | 0MT147/407 |
|---|---|
| Date | Jul 10, 2023 |
| Book Page | MT147/407 |
| Instrument | 20230395 |
| Name | IDAHO HOUSING & FINANCE ASSN |
|---|---|
| Type | Government Agency |
| Address | BOISE, ID 83702 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 31337 BLUFF RD, VERMILLION, SD 57069-6707 |
| Investor | Possibly a Property Investor |
| Document Number | 0MT143/831 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | MT143/831 |
| Instrument | 143810 |
| Name | CORTRUST BANK NA |
|---|---|
| Type | Bank |
| Address | VERMILLION, SD 57069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY SD |
| Recording Date | Dec 14, 2020 |
| Property Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Document Number | D81/913 |
| Book / Page | D81 / 913 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 144254 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Document Number | 144256 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 144256 |
| Name | THE SOUTH DAKOTA HOUSING DEVELOPMEN |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY SD |
| Recording Date | Dec 14, 2020 |
| Property Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Document Number | 000D81/913 |
| Book / Page | D81 / 913 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 144254 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Document Number | 0000144256 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 144256 |
| Name | THE SOUTH DAKOTA HOUSING DEVELOPMEN |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 302 ELM ST, VERMILLION, SD 57069-2126 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Name | Verified Name |
|---|---|
| Address | 31337 BLUFF RD, VERMILLION, SD 57069-6707 |
| Document Number | MT143/831 |
|---|---|
| Date | Oct 7, 2020 |
| Book Page | MT143/831 |
| Instrument | 143810 |
| Name | CORTRUST BANK NA |
|---|---|
| Type | Bank |
| Address | VERMILLION, SD 57069 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Clay County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Clay County |
| Municipality | Vermillion City |
| Unified School District | Vermillion School District 13-1 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,137.00 (+8.81%) | $118,238 (+26.63%) Land $13,787 Building $104,451 |
| 2023 | $1,964.00 (+9.78%) | $93,372 Land $11,398 Building $81,974 |
| 2022 | $1,789.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective December 29, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.5% of South Dakota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | VERMILLION serves 11,695 people · EPA ID SD4600342 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2024) 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, based on 415 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| Midco Cable | 1,250 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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