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

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

Property Summary

Property Type	Single Family Home
Details	6 ba · 1,960 sqft · built 2009
Lot Size	0.09 acres (3,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Oct 2015)
Tax Bill	$7,552 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05.18.09.1033`

Property Details

APN / Parcel Number

Primary APN	`05.18.09.1033`

Interior

Full Baths	6 Baths
Stories	2 Stories
Building Area	1,960 sqft Living Area
Basement Area	980 sqft
Unfinished Basement	980 sqft
Flooring	Stone
Interior Walls	Stone
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Duplex Single
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	3,904 sqft (0.09 acres)
Lot Dimensions	131 ft deep x 29.8 ft wide
Garage Type	Attached
Garage Area	472 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	349 LAKESHORE DR, D
City	NORTH SIOUX CITY
State	SD
Zip	57049-4068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12B OF 9 & 10 FRISBIES 1 N SIOUX CITY
Legal Subdivision	FRISBIES FIRST PLATTING
Legal Block	B
Legal Lot Number	12B
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 October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	349 LAKESHORE DR, D, NORTH SIOUX CITY, SD 57049-4068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 29, 2020	Deed of Trust, Mortgage · VA Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2015 · Amount on Record
Deed Sale	Oct 13, 2015 · Amount on Record
Prior Sale	May 30, 2007 · Amount on Record
Deed Document Number	20154114
Deed Book / Page	105 / 617
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	349 LAKESHORE DR UNIT D, D, NORTH SIOUX CITY, SD 57049-4068
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00176/1231
Date	Oct 30, 2020
Book Page	176/1231
Instrument	205230

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	349 LAKESHORE DR UNIT D, D, NORTH SIOUX CITY, SD 57049-4068
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000176/807
Date	Jul 29, 2020
Book Page	176/807
Instrument	203482

Lender

Name	CENTRAL BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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
2026	$7,552.00 (+0.01%)	$506,229 (-) Land $55,816 Building $450,413
2025	$7,551.00 (+0.76%)	$506,229 (-) Land $55,816 Building $450,413
2024	$7,494.00 (-1.06%)
2023	$7,574.00 (+11.65%)	$506,229 Land $55,816 Building $450,413
2022	$6,784.00

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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