31085 451st Ave, Gayville, SD 57031 Property Records

Yankton County property record for 31085 451st Ave, Gayville, SD 57031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,822 sqft · built 2001
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Nov 2019)
Tax Bill	$4,792 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01.012.300.235`

Property Details

APN / Parcel Number

Primary APN	`01.012.300.235`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,822 sqft Living Area
Basement Area	1,822 sqft
Finished Basement	1,822 sqft
Unfinished Basement	1,822 sqft
Flooring	Other

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	52 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	31085 451ST AVE
City	GAYVILLE
State	SD
Zip	57031-6538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2 JEPSENS ADDN
Legal Range	54
Legal Township	93
Legal Section	12
Legal Subdivision	JEPSENS ADDN
Legal Tract	2
Jurisdiction	YANKTON SD
Township / Civil Division	GAYVILLE
Census Block Group	5
Census Block	5058
Census Tract	966400

Owner

Source: Yankton County records · APN 01.012.300.235

Assessment roll updated September 16, 2025 · Last verified June 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 File
Mailing Address	31085 451ST AVE, GAYVILLE, SD 57031-6538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CORTRUST MORTGAGE
Nov 27, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Deed Book / Page	548 / 263
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	31085 451ST AVE, GAYVILLE, SD 57031-6538
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000582/354
Date	Feb 17, 2026
Book Page	582/354

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	650 S TRYON ST # 88, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 23, 2056

Interest

Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	31085 451ST AVE, GAYVILLE, SD 57031-6538
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	FIRST DAKOTA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	556/191
Date	Jan 20, 2021
Book Page	556/191

Lender

Name	CORTRUST MORTGAGE
Type	Mortgage Company
Address	SIOUX FALLS, SD 57105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Nov 27, 2019
Property Address	31085 451ST AVE, GAYVILLE, SD 57031-6538
Document Number	548/263
Book / Page	548 / 263
Instrument Date	Nov 22, 2019
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	31085 451ST AVE, GAYVILLE, SD 57031-6538

Mortgage

Document Number	548264
Date	Nov 27, 2019
Instrument	548/264

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

Tax Assessment & Valuation

Source: Yankton County records · Assessment roll updated September 16, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Yankton County
County Subdivision	Gayville Township
Unified School District	Gayville-Volin School District 63-1 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,792.00 (+21.44%)	$432,800 (+25.81%) Land $16,700 Building $416,100
2023		$344,000 Land $14,500 Building $329,500
2022	$3,946.00
2021			$253,000 Land $12,000 Building $241,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 13, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	11 (1997–2019)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Sep 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Sep 2019 · 8 claims

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midcontinent Communications Cable	1,250 / 60
Clarity Telecom Cable	1,000 / 30
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 10 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLAY RURAL WATER SYSTEM private · serves 4,780 people
Water Source	Groundwater
Last State Inspection	Aug 2025
Also Mapped Here	BY WATER DISTRICT
Lead	1 ppb (2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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