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  2. South Dakota
  3. Union County
  4. McCook Lake
  5. Lakeshore Dr

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

Union County property record for 392 Lakeshore Dr, McCook Lake, SD 57049 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 820 sqft · built 1977
Lot Size0.176 acres (7,665 sqft)
OwnerIndividual Name on File
Last Sale$247,500 (Aug 2024)
Tax Bill$3,019 (2025)
Deeds & MortgagesSep 2024 Mortgage
Jul 2015 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN05.23.02.2050

Property Details

APN / Parcel Number

Primary APN05.23.02.2050

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area820 sqft Living Area
Basement Area1,383 sqft
Finished Basement1,383 sqft
Interior WallsWood

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof MaterialComposition Shingle
Lot Area7,665 sqft (0.176 acres)
Lot Dimensions114 ft deep x 67 ft wide
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address392 LAKESHORE DR
CityMCCOOK LAKE
StateSD
Zip57049-4001
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 31 BLK 2 ALCOMA ACRES N SIOUX CITY
Legal Range48
Legal Township89
Legal Section10
Legal SubdivisionALCOMA ACRES
Legal Block2
Legal Lot Number31
Legal Unit1
JurisdictionUNION SD
Township / Civil DivisionNORTH SIOUX CITY
Census Block Group3
Census Block3073
Census Tract20302

Owner

Source: Union County records · APN 05.23.02.2050

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 RecordIndividual Name on File
Mailing Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2024Deed of Trust, Mortgage · FHA Mortgage
CU MORTGAGE DIRECT LLC
Jul 15, 2015Deed of Trust, Mortgage · FHA Mortgage
QUICKEN LOANS INC
Sep 11, 2024Deed of Trust, Mortgage
SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Sep 11, 2024Warranty Deed, Transfer
SOUTH DAKOTA HOUSING DEVELOPMENT AU
Jan 09, 2023Warranty Deed, Transfer · Line of Credit
PRIMEBANK
May 10, 2022Warranty Deed, Transfer · Line of Credit
PRIMEBANK
Apr 17, 2006Warranty Deed, Transfer · USDA Mortgage
USDA

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 22, 2024 · Amount on Record
Deed SaleAug 22, 2024 · Amount on Record
Prior SaleJan 09, 2023 · Amount on Record
Deed Document Number2024
Record UpdatedJun 08, 2026

September 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION SD
Property Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
Transaction TypeMortgage
Record UpdatedJan 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address645 STREETER DR 301, 301, NORTH SIOUX CITY, SD 57049-4134

Mortgage

Document Number000184/500
DateSep 11, 2024
Book Page184/500
Instrument241886
Lender
NameCU MORTGAGE DIRECT LLC
TypeMortgage Company
Address5010 S SOLBERG AVE, SIOUX FALLS, SD 57108
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2054

July 2015: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION SD
Property Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
Transaction TypeMortgage
Record UpdatedJan 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00166/0523
DateJul 15, 2015
Book Page166/0523
Instrument152800
Lender
NameQUICKEN LOANS INC
TypeLending Institution
AddressDETROIT, MI 48226
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term241 Months
DueAug 01, 2035

September 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionUNION SD
Property Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
Transaction TypeMortgage
Record UpdatedJan 16, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number000184/501
DateSep 11, 2024
Book Page184/501
Instrument241887
Lender
NameSOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
TypeNon-Lending Institution
Address3060 E ELIZABETH ST, PIERRE, SD 57501
Agreement
AmountAmount Recorded

September 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION SD
Recording DateSep 11, 2024
Property Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
Document Number000114/470
Book / Page114 / 470
Instrument DateAug 22, 2024
Instrument241885
Transaction TypeTransfer
Record UpdatedJan 19, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address236 FIRETHORN TRL, DAKOTA DUNES, SD 57049-5157

Transferred To (Grantee/Buyer)

NameVerified Name
Address392 LAKESHORE DR, NORTH SIOUX CITY, SD 57049-4001

Mortgage

Document Number0000184501
DateSep 11, 2024
Instrument184/501
Lender
NameSOUTH DAKOTA HOUSING DEVELOPMENT AU
TypeNon-Lending Institution
Agreement
AmountAmount Recorded

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION SD
Recording DateJan 09, 2023
Property Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
Document Number0000113/16
Book / Page113 / 16
Instrument DateJan 09, 2023
Instrument230069
Transaction TypeTransfer
Record UpdatedJan 16, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$230.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2215 S PALMETTO ST, SIOUX CITY, IA 51106-3019

Transferred To (Grantee/Buyer)

NameVerified Name
Address236 FIRETHORN TRL, DAKOTA DUNES, SD 57049-5157
InvestorPossibly a Property Investor

Mortgage

Document Number0000018220
DateJan 09, 2023
Instrument182/20
Lender
NamePRIMEBANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term12 Months
DueJan 10, 2024

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION SD
Recording DateMay 10, 2022
Property Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
Document Number000112/297
Book / Page112 / 297
Instrument DateMay 10, 2022
Instrument221364
Transaction TypeTransfer
Record UpdatedJan 16, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$170.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2215 S PALMETTO ST, SIOUX CITY, IA 51106-3019
InvestorPossibly a Property Investor

Mortgage

Document Number0000180376
DateMay 10, 2022
Instrument180/376
Lender
NamePRIMEBANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term13 Months
DueJun 05, 2023

April 2006: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionUNION SD
Recording DateApr 17, 2006
Property Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001
Document Number00096/0263
Book / Page096 / 0263
Instrument DateApr 14, 2006
Instrument061764
Transaction TypeTransfer
Record UpdatedJan 28, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address868 BROOKSIDE DR, JEFFERSON, SD 57038-6891

Transferred To (Grantee/Buyer)

NameVerified Name
Address392 LAKESHORE DR, MCCOOK LAKE, SD 57049-4001

Mortgage

Document Number0000061765
DateApr 17, 2006
Instrument061765
Lender
NameUSDA
TypeGovernment Agency
Agreement
TypeUSDA Mortgage
AmountAmount Recorded
Term396 Months
DueApr 14, 2039

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated October 6, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateSouth Dakota
CountyUnion County
MunicipalityNorth Sioux City
Unified School DistrictDakota Valley School District 61-8 (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed Value
2025$3,019.00 (-5.12%)$202,405 (+31.88%) Land $13,883 Building $188,522
2024$3,182.00 (+12.6%)
2023$2,826.00 (+37.45%)$153,478 Land $13,883 Building $139,595
2022$2,056.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (46127C), updated May 31, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 461270203023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 18 individual NFIP policies nearby
Nearby Flood Policies18 in force
Nearby Flood Claims2 (2024)
Claims Outside the SFHA2 of 2
Most Recent ClaimJun 2024, river or lake flooding, Severe Storms, Straight-line Winds, And Flooding
Claims By Storm
  • Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 2 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 119 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Long LinesCable1,500 / 50
Cable OneCable1,000 / 50
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Hawkeye Topco Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

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