324 Prospect St, Vermillion, SD 57069 Property Records

Clay County property record for 324 Prospect St, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,077 sqft · built 1897
Lot Size	0.188 acres (8,184 sqft)
Owner	Individual Name on File
Tax Bill	$4,084 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15720-05700-020-03`

Property Details

APN / Parcel Number

Primary APN	`15720-05700-020-03`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,077 sqft Living Area
Gross Area	2,884 sqft
1st Floor Area	1,058 sqft
Basement Area	1,058 sqft
Finished Basement	635 sqft
Unfinished Basement	1,058 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1945
Exterior Material	Marblecrete
Construction Type	Metal Frame
Roof Material	Composition Shingle
Lot Area	8,184 sqft (0.188 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	324 PROSPECT ST
City	VERMILLION
State	SD
Zip	57069-2030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 93 OF LOTS 1 & 2 BLK 57 SNYDERS
Legal Block	57
Legal Lot Number	1,2
Jurisdiction	CLAY SD
Township / Civil Division	VERMILLION
Census Block Group	3
Census Block	3022
Census Tract	965900

Owner

Source: Clay County records · APN 15720-05700-020-03

Assessment roll updated September 9, 2025 · Last verified April 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 File
Mailing Address	324 PROSPECT ST, VERMILLION, SD 57069-2030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	324 PROSPECT ST, VERMILLION, SD 57069-2030
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0MT146/298
Date	May 16, 2022
Book Page	MT146/298
Instrument	147706

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 9, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Clay County
Municipality	Vermillion City
Unified School District	Vermillion School District 13-1 (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$4,084.00 (+9.52%)	$226,970 (+27.44%) Land $16,532 Building $210,438
2023	$3,729.00 (+9.9%)	$178,097 Land $13,667 Building $164,430
2022	$3,393.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 29, 2020 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 94% of South Dakota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; 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)
Clarity Telecom Fiber	5,000 / 5,000
Midcontinent Communications Cable	1,250 / 250
Verizon Fixed Wireless	300 / 20
AMG Technology Investment Group Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 415 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	VERMILLION serves 11,695 people
Water Source	Groundwater
Last State Inspection	Dec 2024
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 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.