Union County property record for 32242 474th Ave, Elk Point, SD 57025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,232 sqft · built 1998 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,490 (2026) |
| Deeds & Mortgages | Jun 2019 Line of Credit Sep 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 15.00.11.6020 |
| Primary APN | 15.00.11.6020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 1,188 sqft |
| Basement Area | 108 sqft |
| Finished Basement | 108 sqft |
| Interior Walls | Wood |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 32242 474TH AVE |
|---|---|
| City | ELK POINT |
| State | SD |
| Zip | 57025-6705 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BENJAMIN TR 1 IN SW1/4NW1/4 (2.50A) |
| Legal Range | 50W |
| Legal Township | 91N |
| Legal Section | 11 |
| Legal Tract | 1 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | ELK POINT |
| Census Block Group | 1 |
| Census Block | 1086 |
| Census Tract | 20200 |
32242 474th Ave is owned and occupied by two individuals.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32242 474TH AVE, ELK POINT, SD 57025-6705 |
| 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.
| Date | Document |
|---|---|
| Jun 19, 2019 | Deed of Trust, Mortgage · Line of Credit F & M BANK |
| Sep 21, 2021 | Deed of Trust, Mortgage · Closed-End Mortgage F & M BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 32242 474TH AVE, ELK POINT, SD 57025-6705 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00174/0486 |
|---|---|
| Date | Jun 19, 2019 |
| Book Page | 174/0486 |
| Instrument | 192473 |
| Name | F & M BANK |
|---|---|
| Type | Bank |
| Address | SOUTH SIOUX CITY, NE 68776 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 32242 474TH AVE, ELK POINT, SD 57025-6705 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 32242 474TH AVE, ELK POINT, SD 57025-6705 |
| Document Number | 000178/980 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 178/980 |
| Instrument | 214125 |
| Name | F & M BANK |
|---|---|
| Type | Bank |
| Address | SOUTH SIOUX CITY, NE 68776 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Oct 1, 2049 |
The 2026 property tax bill for 32242 474th Ave was $2,490, up % from the year before.
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| County Subdivision | Elk Point Township |
| Unified School District | Elk Point-Jefferson School District 61-7 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,490.00 (+0.04%) | $225,863 (-) Land $67,620 Building $158,243 |
| 2025 | $2,489.00 (+1.3%) | $225,863 Land $67,620 Building $158,243 |
| 2024 | $2,457.00 (+12.24%) | |
| 2023 | $2,189.00 (+23.25%) | $192,248 Land $48,300 Building $143,948 |
| 2022 | $1,776.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 32242 474th Ave in Zone X, an area of moderate flood risk, within 500 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone A, within 500 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 |
|
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 risk around 32242 474th Ave is low, with less than 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 97% of the US · lower than 94% of South Dakota |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Metro Fiber | 1,000 / 1,000 |
| Midco Fixed Wireless | 100 / 20 |
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