32043 478th Ave, Elk Point, SD 57025 Property Records

Union County property record for 32043 478th Ave, Elk Point, SD 57025

Property Summary

Property Type	Other Improved
Details	2 bd · 2 ba · 928 sqft · built 1979
Lot Size	25.9 acres (1,129,511 sqft)
Owner	Company Name on Record
Last Sale	$199,000 (Feb 2025)
Tax Bill	$2,023 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Jan 2025 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`22.00.32.1030`

Property Details

APN / Parcel Number

Primary APN	`22.00.32.1030`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	928 sqft Living Area
Interior Walls	Wood

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Metal
Lot Area	1,129,511 sqft (25.9 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	32043 478TH AVE
City	ELK POINT
State	SD
Zip	57025-6746
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOT B W1/2NE1/4 (23.97A)
Legal Range	49W
Legal Township	92N
Legal Section	32
Legal Lot Number	B
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1120
Census Tract	20200

Owner

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	Company Name on Record
Mailing Address	PO BOX 884, ELK POINT, SD 57025-0884
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK NA
Jan 31, 2025	Deed of Trust, Mortgage · Line of Credit FIRST DAKOTA NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 10, 2025 · Amount on Record
Deed Sale	Feb 10, 2025 · Amount on Record
Prior Sale	Oct 28, 2022 · Amount on Record
Deed Document Number	2025
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	32043 478TH AVE, ELK POINT, SD 57025-6746
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000180/783
Date	Nov 1, 2022
Book Page	180/783
Instrument	223075

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	32043 478TH AVE, ELK POINT, SD 57025-6746
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32043 478TH AVE, ELK POINT, SD 57025-6746

Mortgage

Document Number	0000186/63
Date	Jan 31, 2025
Book Page	186/63
Instrument	250233

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	1110 E CHERRY ST, VERMILLION, SD 57069

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 30, 2030

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,023.00	$226,282 (+54.28%) Land $144,921 Building $81,361
2025	$2,023.00 (-41.23%)	$146,669 (-42.4%) Land $135,909 Building $10,760
2024	$3,442.00 (+15.08%)
2023	$2,991.00 (+4.58%)	$254,635 Land $97,083 Building $157,552
2022	$2,860.00

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

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	12 (2011–2024)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2014 · 4 claims

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 92% of South Dakota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	CLAY RURAL WATER SYSTEM private · serves 4,780 people · EPA ID SD4600626
Water Source	Groundwater
Last State Inspection	Aug 2025
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Fixed Wireless	100 / 20

May also be available: Long Lines Metro.

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