369 Lakeshore Dr, McCook Lake (North Sioux City), SD 57049 Property Records

Union County property record for 369 Lakeshore Dr, McCook Lake, SD 57049

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,540 sqft · built 1957
Lot Size	0.173 acres (7,524 sqft)
Owner	Individual Name on Record
Tax Bill	$3,730 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05.20.09.1025`

Property Details

APN / Parcel Number

Primary APN	`05.20.09.1025`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,540 sqft Living Area
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	7,524 sqft (0.173 acres)
Lot Dimensions	114 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	369 LAKESHORE DR
City	NORTH SIOUX CITY
State	SD
Zip	57049-4002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 22 OF 9 & 10 FRISBIES 3 N SIOUX CITY
Legal Range	48
Legal Township	89
Legal Section	10
Legal Block	3
Legal Lot Number	22
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	Individual Name on Record
Mailing Address	369 LAKESHORE DR, NORTH SIOUX CITY, SD 57049-4002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY NATIONAL BANK
Sep 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Nov 24, 2025	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	369 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000176/650
Date	Jun 24, 2020
Book Page	176/650
Instrument	202790

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank
Address	SIOUX CITY, IA 51106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	369 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	369 LAKESHORE DR, NORTH SIOUX CITY, SD 57049-4002

Mortgage

Document Number	000186/596
Date	Sep 22, 2025
Book Page	186/596
Instrument	252189

Lender

Name	PEOPLES BANK
Type	Bank
Address	1701 S MAIN AVE, SIOUX CENTER, IA 51250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Aug 1, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Nov 24, 2025
Property Address	369 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002
Document Number	000115/723
Book / Page	115 / 723
Instrument Date	Nov 20, 2025
Instrument	252733
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3730 MOHAVE DR, SIOUX CITY, IA 51104-1538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	369 LAKESHORE DR, MCCOOK LAKE, SD 57049-4002

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	$3,730.00 (+0.03%)	$250,030 (-) Land $114,006 Building $136,024
2025	$3,729.00 (+0.76%)	$250,030 (-) Land $114,006 Building $136,024
2024	$3,701.00 (-1.07%)
2023	$3,741.00 (+11.64%)	$250,030 Land $114,006 Building $136,024
2022	$3,351.00

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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