Lawrence County property record for 324 Cottage Hill Ln, Spearfish, SD 57783
| Property Type | Duplex |
|---|---|
| Details | 3 ba · 1,461 sqft · built 2005 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,081 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 32655-01400-110-93 |
| Primary APN | 32655-01400-110-93 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 1,461 sqft Living Area |
| 1st Floor Area | 1,461 sqft |
| Basement Area | 448 sqft |
| Unfinished Basement | 448 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Duplex Single |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | R19946 |
|---|---|
| Street Address | 324 COTTAGE HILL LN |
| City | SPEARFISH |
| State | SD |
| Zip | 57783-9574 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | SANDSTONE HILLS ADDITION LOT 11M BLK 14 PLAT 2006-02677 |
| Legal Subdivision | SANDSTONE HILLS ADDITION |
| Legal Block | 14 |
| Legal Lot Number | 11M |
| Jurisdiction | LAWRENCE SD |
| Township / Civil Division | SPEARFISH |
| Census Block Group | 1 |
| Census Block | 1099 |
| Census Tract | 966101 |
324 Cottage Hill Ln, a duplex, is owned and occupied by an individual.
Source: Lawrence County records, as of September 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 324 COTTAGE HILL LN, SPEARFISH, SD 57783-9574 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 324 Cottage Hill Ln was $4,081.
Source: Lawrence County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Lawrence County |
| Municipality | Spearfish City |
| Unified School District | Spearfish School District 40-2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $375,220 (-4.27%) Land $51,180 Building $324,040 | ||
| 2025 | $4,081.00 | $391,960 Land $51,180 Building $340,780 | |
| 2024 | $4,081.00 | ||
| 2023 | $284,730 Land $27,560 Building $257,170 | ||
| 2022 | $3,160.00 | $244,600 Land $27,560 Building $217,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 324 Cottage Hill Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 5 in force |
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 324 Cottage Hill Ln is moderate, ranking above 47% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 65% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SPEARFISH serves 13,803 people · EPA ID SD4600311 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 3 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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 2,000 / 350 |
| Bluepeak Cable · Fiber in parts of the area | 1,000 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wisp West Fixed Wireless | 100 / 20 |
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