403 S 3rd St, Beresford, SD 57004 Property Records

Union County property record for 403 S 3rd St, Beresford, SD 57004

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 810 sqft · built 2023
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Nov 2023)
Tax Bill	$2,748 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Nov 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02.01.29.1005`

Property Details

APN / Parcel Number

Primary APN	`02.01.29.1005`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	810 sqft Total Area
Interior Walls	Wood

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Attached
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	403 S 3RD ST
City	BERESFORD
State	SD
Zip	57004-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 29 ORIG BERES CITY
Legal Block	29
Legal Lot Number	2
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	BERESFORD
Census Block Group	2
Census Block	2096
Census Tract	20100

Owner

Source: Union County records, as of April 7, 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	403 S 3RD ST, BERESFORD, SD 57004-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Deed of Trust, Mortgage · Commercial Mortgage SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Nov 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Nov 15, 2023	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2023 · Amount on Record
Deed Sale	Nov 3, 2023 · Amount on Record
Prior Sale	Mar 9, 2022 · Amount on Record
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	403 S 3RD ST, BERESFORD, SD 57004-2105
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 N WESTERN AVE 100, 100, SIOUX FALLS, SD 57104-2017
Investor	Possibly a Property Investor

Mortgage

Document Number	000180/597
Date	Aug 16, 2022
Book Page	180/597
Instrument	222302

Lender

Name	SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Type	Non-Lending Institution
Address	PIERRE, SD 57501

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	65 Months
Due	Dec 31, 2027

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	403 S 3RD ST, BERESFORD, SD 57004-2105
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000182/624
Date	Nov 15, 2023
Book Page	182/624
Instrument	232613

Lender

Name	SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Type	Non-Lending Institution
Address	PIERRE, SD 57501

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	403 S 3RD ST, BERESFORD, SD 57004-2105
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000182/623
Date	Nov 15, 2023
Book Page	182/623
Instrument	232612

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	South Dakota
Municipality	Beresford City
County	Union County
Unified School District	Beresford School District 61-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,748.00 (-1.19%)	$200,657 (+983.34%) Land $18,522 Building $182,135
2024	$2,781.00 (+715.54%)
2023	$341.00 (+48.26%)	$18,522 Land $18,522
2022	$230.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2014)
Most Recent Claim	Jun 2014 · Severe Storms, Tornadoes, And Flooding

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	Direct burnable vegetation

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	CLAY RURAL WATER SYSTEM private · serves 4,780 people · EPA ID SD4600626
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	1 ppb (2024) 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Beresford Municipal Telephone Company Fiber	1,000 / 1,000
Midco Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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