Union County property record for 31 Deer Run Cir, McCook Lake, SD 57049
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2,280 sqft · built 2022 |
| Lot Size | 1.33 acres (57,935 sqft) |
| Owner | 2 Trust Names on Record |
| Tax Bill | $7,836 (2026) |
| Deeds & Mortgages | Sep 2018 Line of Credit Oct 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11.30.30.1031 |
| Primary APN | 11.30.30.1031 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| Basement Area | 2,433 sqft |
| Finished Basement | 2,433 sqft |
| Flooring | Brick |
| Interior Walls | Brick |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 57,935 sqft (1.33 acres) |
| Garage Type | Detached |
| Garage Area | 2,916 sqft |
| Parking Spaces | 11 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 31 DEER RUN CIR |
|---|---|
| City | NORTH SIOUX CITY |
| State | SD |
| Zip | 57049-4090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REPLAT LOT 31 DEER RUN ACRES 1.33A |
| Legal Range | 08W |
| Legal Township | 30N |
| Legal Section | 30 |
| Legal Subdivision | DEER RUN ACRES |
| Legal Lot Number | 31 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | BIG SIOUX |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 20302 |
Source: Union County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 31 DEER RUN CIR, NORTH SIOUX CITY, SD 57049-4090 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Sep 7, 2018 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Oct 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| May 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Jul 8, 2021 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Nov 17, 2022 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Dec 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage NORTHWEST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 31 DEER RUN CIR, MCCOOK LAKE, SD 57049-4090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00172/0693 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 172/0693 |
| Instrument | 183815 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | ARNOLDS PARK, IA 51331 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 16, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 31 DEER RUN CIR, MCCOOK LAKE, SD 57049-4090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00174/0866 |
|---|---|
| Date | Oct 28, 2019 |
| Book Page | 174/0866 |
| Instrument | 194547 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 145 Months |
| Due | Nov 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 31 DEER RUN CIR, MCCOOK LAKE, SD 57049-4090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000178/538 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 178/538 |
| Instrument | 212493 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 31 DEER RUN CIR, MCCOOK LAKE, SD 57049-4090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000178/727 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 178/727 |
| Instrument | 213285 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SIOUX CITY, IA 51103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 15, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 31 DEER RUN CIR, MCCOOK LAKE, SD 57049-4090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000180/828 |
|---|---|
| Date | Nov 17, 2022 |
| Book Page | 180/828 |
| Instrument | 223221 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 104 Months |
| Due | Jul 15, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 31 DEER RUN CIR, MCCOOK LAKE, SD 57049-4090 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000180/878 |
|---|---|
| Date | Dec 14, 2022 |
| Book Page | 180/878 |
| Instrument | 223460 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SIOUX CITY, IA 51106 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Jun 15, 2023 |
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| County Subdivision | Big Sioux Township |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $7,836.00 | $554,079 (-) Land $25,983 Building $528,096 |
| 2025 | $7,836.00 (+1.24%) | $554,079 (+18.89%) Land $25,983 Building $528,096 |
| 2024 | $7,740.00 (+16.97%) | |
| 2023 | $6,617.00 (+7.02%) | $466,063 Land $25,983 Building $440,080 |
| 2022 | $6,183.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 90% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.3% 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 | CLAY RWS/SOUTH UNION private · serves 1,447 people · EPA ID SD4602185 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 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, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Metro Fiber | 1,000 / 1,000 |
| Sparklight Cable | 1,000 / 50 |
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