303 W Main St, Elk Point, SD 57025 Property Records

Union County property record for 303 W Main St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,002 sqft · built 1900
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Jan 2023)
Tax Bill	$1,960 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03.01.07.1040`

Property Details

APN / Parcel Number

Primary APN	`03.01.07.1040`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,002 sqft Living Area
Basement Area	756 sqft
Unfinished Basement	756 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	303 W MAIN ST
City	ELK POINT
State	SD
Zip	57025-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 7 ORIG E P CITY
Legal Block	7
Legal Lot Number	11
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	2
Census Block	2016
Census Tract	20200

Owner

303 W Main St is owned and occupied by an individual who bought it in January 2023.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	303 W MAIN ST, ELK POINT, SD 57025-2201
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
Jul 3, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Mar 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 2, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2023 · Amount on File
Deed Sale	Jan 31, 2023 · Amount on File
Prior Sale	Apr 28, 2008 · Amount on File
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jul 3, 2025
Property Address	303 W MAIN ST, ELK POINT, SD 57025-2201
Document Number	000115/390
Book / Page	115 / 390
Instrument Date	Jul 1, 2025
Instrument	251478
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	32208 471ST AVE, ELK POINT, SD 57025-6715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 W MAIN ST, ELK POINT, SD 57025-2201

Mortgage

Document Number	0000186417
Date	Jul 3, 2025
Instrument	186/417

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	303 W MAIN ST, ELK POINT, SD 57025-2201
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 W MAIN ST, ELK POINT, SD 57025-2201

Mortgage

Document Number	000182/141
Date	Mar 28, 2023
Book Page	182/141
Instrument	230712

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Feb 2, 2023
Property Address	303 W MAIN ST, ELK POINT, SD 57025-2201
Document Number	0000113/67
Book / Page	113 / 67
Instrument Date	Jan 31, 2023
Instrument	230256
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 551, ELK POINT, SD 57025-0551

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 W MAIN ST, ELK POINT, SD 57025-2201

Mortgage

Document Number	0000018251
Date	Feb 2, 2023
Instrument	182/51

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 303 W Main St was $1,960.

Source: Union County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Municipality	Elk Point City
Unified School District	Elk Point-Jefferson School District 61-7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$1,960.00	$117,674 (-) Land $12,845 Building $104,829
2025	$1,960.00 (+7.63%)	$117,674 Land $12,845 Building $104,829
2024	$1,821.00 (-2.52%)
2023	$1,868.00 (+9.18%)	$108,144 Land $12,845 Building $95,299
2022	$1,711.00

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

Flood

FEMA maps place 303 W Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 303 W Main St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 85% of South Dakota
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELK POINT serves 2,124 people · EPA ID SD4600116
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	CLAY RURAL WATER SYSTEM
Lead	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Bluepeak Cable · Fiber in parts of the area	1,000 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Long Lines Metro.

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