Union County property record for 359 Lakeshore Dr, McCook Lake, SD 57049
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2 ba · 2,228 sqft · built 1949 |
| Lot Size | 0.247 acres (10,750 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,547 (2025) |
| Deeds & Mortgages | Jun 2011 Line of Credit Jun 2011 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.18.09.1040 |
| Primary APN | 05.18.09.1040 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,228 sqft Living Area |
| Basement Area | 1,726 sqft |
| Finished Basement | 1,726 sqft |
| Flooring | Stone |
| Interior Walls | Stone |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 10,750 sqft (0.247 acres) |
| Lot Dimensions | 107 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 359 LAKESHORE DR |
|---|---|
| City | MCCOOK LAKE |
| State | SD |
| Zip | 57049-4002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 OF 9 &10 FRIS BIES 1 N SIOUX CITY |
| Legal Block | B |
| Legal Lot Number | 17 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | NORTH SIOUX CITY |
| Census Block Group | 3 |
| Census Block | 3068 |
| Census Tract | 20302 |
Source: Union County records · APN 05.18.09.1040
Assessment roll updated October 6, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 07, 2011 | Deed of Trust, Mortgage · Line of Credit PINNACLE BANK SIOUX CITY |
| Jun 29, 2011 | Deed of Trust, Mortgage · Line of Credit PINNACLE BANK SIOUX CITY |
| Jul 05, 2006 | Deed of Trust, Mortgage · Line of Credit PINNACLE BANK SIOUX CITY |
| Apr 25, 2008 | Deed of Trust, Mortgage · Line of Credit PINNACLE BANK SIOUX CITY |
| Oct 27, 2025 | Warranty Deed, Transfer · Conventional Mortgage PRIMEBANK |
| Jul 12, 2012 | Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00158/0421 |
|---|---|
| Date | Jun 07, 2011 |
| Book Page | 158/0421 |
| Instrument | 112388 |
| Name | PINNACLE BANK SIOUX CITY |
|---|---|
| Address | SIOUX CITY, IA 51106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 18 Months |
| Due | Dec 01, 2012 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00158/0719 |
|---|---|
| Date | Jun 29, 2011 |
| Book Page | 158/0719 |
| Instrument | 112967 |
| Name | PINNACLE BANK SIOUX CITY |
|---|---|
| Address | SIOUX CITY, IA 51106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Jul 01, 2012 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00148/0697 |
|---|---|
| Date | Jul 05, 2006 |
| Book Page | 148/0697 |
| Instrument | 063090 |
| Name | PINNACLE BANK SIOUX CITY |
|---|---|
| Address | SIOUX CITY, IA 51106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00152/0470 |
|---|---|
| Date | Apr 25, 2008 |
| Book Page | 152/0470 |
| Instrument | 082082 |
| Name | PINNACLE BANK SIOUX CITY |
|---|---|
| Address | SIOUX CITY, IA 51106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Oct 27, 2025 |
| Property Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Document Number | 000115/648 |
| Book / Page | 115 / 648 |
| Instrument Date | Oct 09, 2025 |
| Instrument | 252494 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Document Number | 0000186673 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 186/673 |
| Name | PRIMEBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Jul 12, 2012 |
| Property Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Document Number | 00102/0378 |
| Book / Page | 102 / 0378 |
| Instrument Date | Jul 12, 2012 |
| Instrument | 123323 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 359 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002 |
| Document Number | 00160/0732 |
|---|---|
| Date | Jul 12, 2012 |
| Book Page | 160/0732 |
| Instrument | 123324 |
| Name | HERITAGE BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX CITY, IA 51106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2042 |
Source: Union County records · Assessment roll updated October 6, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | North Sioux City |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,547.00 (+8.98%) | $572,386 (+4.29%) Land $165,143 Building $407,243 |
| 2024 | $7,843.00 (-4.49%) | |
| 2023 | $8,212.00 (+11.65%) | $548,839 Land $165,143 Building $383,696 |
| 2022 | $7,355.00 |
Source: FEMA National Flood Hazard Layer as of May 31, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Cable | 1,500 / 50 |
| Cable One Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: Hawkeye Topco Holdings.
Based on FCC filings for 119 locations within half a mile of this property.
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 | NORTH SIOUX CITY serves 3,042 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 4 ppb (2023) 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 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.
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