Clay County property record for 323 Prospect St, Vermillion, SD 57069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 878 sqft · built 1950 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,308 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15720-05800-130-00 |
| Primary APN | 15720-05800-130-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 878 sqft Living Area |
| Gross Area | 1,756 sqft |
| 1st Floor Area | 878 sqft |
| Basement Area | 878 sqft |
| Unfinished Basement | 878 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Detached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 323 PROSPECT ST |
|---|---|
| City | VERMILLION |
| State | SD |
| Zip | 57069-2110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 BLK 58 SNYDERS |
| Legal Subdivision | SNYDERS ADDITION |
| Legal Block | 58 |
| Legal Lot Number | 13 |
| Jurisdiction | CLAY SD |
| Township / Civil Division | VERMILLION |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 965900 |
Source: Clay County records, as of April 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 323 PROSPECT ST, VERMILLION, SD 57069-2110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN STATE BANK |
| May 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CU MORTGAGE DIRECT LLC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 323 PROSPECT ST, VERMILLION, SD 57069-2110 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT144/715 |
|---|---|
| Date | Apr 14, 2021 |
| Book Page | MT144/715 |
| Instrument | 145117 |
| Name | AMERICAN STATE BANK |
|---|---|
| Type | Bank |
| Address | SIOUX CENTER, IA 51250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 323 PROSPECT ST, VERMILLION, SD 57069-2110 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2019 |
| Name | Verified Name |
|---|
| Document Number | MT141/964 |
|---|---|
| Date | May 29, 2019 |
| Book Page | MT141/964 |
| Instrument | 140809 |
| Name | CU MORTGAGE DIRECT LLC |
|---|---|
| Type | Mortgage Company |
| Address | SIOUX FALLS, SD 57108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
Source: Clay County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Clay County |
| Municipality | Vermillion City |
| Unified School District | Vermillion School District 13-1 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $135,340 (+25.74%) Land $13,332 Building $122,008 | |
| 2024 | $2,308.00 (+2.17%) | |
| 2023 | $2,259.00 (+9.39%) | $107,634 Land $11,022 Building $96,612 |
| 2022 | $2,065.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective December 29, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 | VERMILLION serves 11,695 people · EPA ID SD4600342 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| 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 415 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| Midco Cable | 1,250 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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