320 N 3rd St, Spearfish, SD 57783 Property Records

Lawrence County property record for 320 N 3rd St, Spearfish, SD 57783

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,525 sqft · built 1920
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,414 (2025)
Flood Zone	Zone AE (high risk)
APN	`32090-06600-100-00`

Property Details

APN / Parcel Number

Primary APN	`32090-06600-100-00`
Alternative APN	`R16557`

Interior

Full Baths	4 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Building Area	3,525 sqft Living Area
1st Floor Area	2,049 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	18,731 sqft (0.43 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Area	843 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	R16557
Street Address	320 N 3RD ST
City	SPEARFISH
State	SD
Zip	57783-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN SPEARFISH LOTS 8 & 9 & S 25' OF LOT 10 BLK 66 & 10' VACATED ALLEY PLAT BK1 PG73
Legal Subdivision	ORIGINAL TOWN SPEARFISH
Legal Block	66
Legal Lot Number	8-10
Jurisdiction	LAWRENCE SD
Township / Civil Division	SPEARFISH
Census Block Group	3
Census Block	3050
Census Tract	966200

Owner

Source: Lawrence County records · APN 32090-06600-100-00

Assessment roll updated September 2, 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	320 N 3RD ST, SPEARFISH, SD 57783-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Lawrence County records · Assessment roll updated September 2, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Lawrence County
Municipality	Spearfish City
Unified School District	Spearfish School District 40-2 (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	$5,414.00 (-1.69%)	$519,990 (+33.87%) Land $126,250 Building $393,740
2024	$5,507.00 (+9.09%)
2023			$461,810 Land $91,250 Building $370,560
2022	$5,048.00	$388,430 Land $86,250 Building $302,180

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 29, 2026 · 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1992–1995)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 1995 · Flooding

Wildfire

Wildfire Risk	Moderate above 54% of the US · above 43% of South Dakota
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 / 250
Clarity Telecom Cable · Fiber in parts of the area	1,000 / 30
BHT Investment Holdings Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 181 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	SPEARFISH serves 13,803 people
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	3 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.