349 Lakeshore Dr, Unit B, McCook Lake (North Sioux City), SD 57049 Property Records

Union County property record for 349 Lakeshore Dr, Unit B, McCook Lake, SD 57049

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,998 sqft · built 2010
Lot Size	0.104 acres (4,519 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Aug 2010)
Tax Bill	$6,735 (2025)
Deeds & Mortgages	May 2018 Second Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05.20.09.1013`

Property Details

APN / Parcel Number

Primary APN	`05.20.09.1013`

Interior

Bedrooms	3 Beds
Stories	2 Stories
Building Area	1,998 sqft Living Area
Gross Area	1,960 sqft
Basement Area	1,729 sqft
Finished Basement	1,729 sqft
Flooring	Brick
Interior Walls	Brick
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Duplex Single
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	4,519 sqft (0.104 acres)
Lot Dimensions	136 ft deep x 33.2 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	349 LAKESHORE DR, B
City	NORTH SIOUX CITY
State	SD
Zip	57049-4068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11B OF 9 & 10 FRISBIES 1ST N SIOUX CITY
Legal Subdivision	FRISBIES FIRST PLATTING
Legal Lot Number	11B
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	NORTH SIOUX CITY
Census Block Group	3
Census Block	3068
Census Tract	20302

Owner

Source: Union County records, as of June 30, 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	349 LAKESHORE DR, B, NORTH SIOUX CITY, SD 57049-4068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED STATES OF AMERICA
Sep 30, 2020	Deed of Trust, Mortgage · FHA Mortgage CENTRAL BANK
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK
Dec 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage SIOUXLAND FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2010 · Amount on Record
Deed Sale	Aug 31, 2010 · Amount on Record
Deed Document Number	20104202
Deed Book / Page	100 / 473
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	349 LAKESHORE DR UNIT B, B, MCCOOK LAKE, SD 57049-4068
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00172/0306
Date	May 7, 2018
Book Page	172/0306
Instrument	181760

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	SOUTH SIOUX CITY, NE 68776

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2028

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	349 LAKESHORE DR UNIT B, B, MCCOOK LAKE, SD 57049-4068
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00176/1099
Date	Sep 30, 2020
Book Page	176/1099
Instrument	204672

Lender

Name	CENTRAL BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	349 LAKESHORE DR UNIT B, B, MCCOOK LAKE, SD 57049-4068
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000180/293
Date	Apr 12, 2022
Book Page	180/293
Instrument	221088

Lender

Name	CENTRAL BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	349 LAKESHORE DR UNIT B, B, MCCOOK LAKE, SD 57049-4068
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000182/676
Date	Dec 18, 2023
Book Page	182/676
Instrument	232824

Lender

Name	SIOUXLAND FCU
Type	Credit Union
Address	3000 PLAZA DR, SOUTH SIOUX CITY, NE 68776

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2044

Interest

Rate Type	Adjustable Rate
Rate	8%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2030
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Index	1-Year CMT
Margin	4
Max Rate	14%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Municipality	North Sioux City
Unified School District	Dakota Valley School District 61-8 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,735.00 (+0.75%)	$451,551 (-) Land $64,118 Building $387,433
2024	$6,685.00 (-1.05%)
2023	$6,756.00 (-4.71%)	$451,551 Land $64,118 Building $387,433
2022	$7,090.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 2 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 98% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH SIOUX CITY serves 3,042 people · EPA ID SD4600226
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	4 ppb (2023) 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable	1,500 / 50
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: ImOn Communications.

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