402 Ruth St, Yankton, SD 57078 Property Records

Yankton County property record for 402 Ruth St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,654 sqft · built 2005
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$474,000 (Jun 2026)
Tax Bill	$5,458 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78.685.001.010`

Property Details

APN / Parcel Number

Primary APN	`78.685.001.010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,654 sqft Living Area
Basement Area	1,654 sqft
Finished Basement	1,654 sqft
Unfinished Basement	1,654 sqft
Flooring	Tile

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Construction Type	Wood
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	402 RUTH ST
City	YANKTON
State	SD
Zip	57078-5129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 1 BLK 1 RIDGEWAY NORTH S/D
Legal Subdivision	NORTH SUBDIVISION
Legal Block	1
Legal Lot Number	1
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	1
Census Block	1016
Census Tract	966200

Owner

Source: Yankton County records, as of October 1, 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	402 RUTH ST, YANKTON, SD 57078-5129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	Oct 11, 2005 · Amount on Record
Deed Document Number	2026213702
Deed Book / Page	584 / 191
Prior Transfer Date	Apr 15, 2013
Prior Transfer Doc	000511/447
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Jun 5, 2026
Property Address	402 RUTH ST, YANKTON, SD 57078-5129
Document Number	0000213702
Book / Page	584 / 191
Instrument Date	Jun 5, 2026
Instrument	2026213702
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	YANKTON TITLE, YANKTON TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47,874.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RUTH ST, YANKTON, SD 57078-5129

Mortgage

Document Number	0000213703,
Date	Jun 5, 2026
Instrument	2026213703

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Yankton County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Yankton County
Municipality	Yankton City
Unified School District	Yankton School District 63-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$418,400 (-) Land $45,300 Building $373,100	$418,400 (+38.18%) Land $45,300 Building $373,100
2025	$5,458.00 (+10.55%)	$418,400 (+13.33%) Land $45,300 Building $373,100
2023		$369,200 Land $32,800 Building $336,400
2022	$4,937.00
2021			$302,800 Land $32,800 Building $270,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 13, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Nearby Flood Policies	19 in force

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 99.1% of the US · lower than 98% 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	YANKTON serves 15,411 people · EPA ID SD4600423
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	BY WATER DISTRICT
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Bluepeak Cable	1,000 / 30

May also be available: South Dakota Wireless Internet, Verizon.

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