404 S 4th St, Beresford, SD 57004 Property Records

Union County property record for 404 S 4th St, Beresford, SD 57004

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 930 sqft · built 1918
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$89,000 (Sep 2023)
Tax Bill	$1,794 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02.01.29.1043`

Property Details

APN / Parcel Number

Primary APN	`02.01.29.1043`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	930 sqft Living Area
Basement Area	528 sqft
Finished Basement	528 sqft
Unfinished Basement	528 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
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	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	404 S 4TH ST
City	BERESFORD
State	SD
Zip	57004-2112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 29 ORIG BERES CITY
Legal Subdivision	ORIGINAL CITY OF BERESFORD
Legal Block	29
Legal Lot Number	10
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	BERESFORD
Census Block Group	2
Census Block	2096
Census Tract	20100

Owner

404 S 4th St is owned and occupied by an individual who bought it in September 2023.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	404 S 4TH ST, BERESFORD, SD 57004-2112
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK
Oct 17, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on File
Deed Sale	Sep 8, 2023 · Amount on File
Prior Sale	Oct 17, 2018 · Amount on File
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Sep 12, 2023
Property Address	404 S 4TH ST, BERESFORD, SD 57004-2112
Document Number	000113/527
Book / Page	113 / 527
Instrument Date	Sep 11, 2023
Instrument	232082
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	622 S 10TH ST, ADEL, IA 50003-2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 S 4TH ST, BERESFORD, SD 57004-2112

Mortgage

Document Number	000182/498
Date	Sep 12, 2023
Book Page	182/498
Instrument	232083

Lender

Name	PEOPLES BANK
Type	Bank
Address	SIOUX CENTER, IA 51250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Oct 17, 2018
Property Address	404 S 4TH ST, BERESFORD, SD 57004-2112
Document Number	00108/0683
Book / Page	108 / 0683
Instrument Date	Oct 15, 2018
Instrument	184424
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3233 S CLINTON ST, SIOUX CITY, IA 51106-4406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 S 4TH ST, BERESFORD, SD 57004-2112

Mortgage

Document Number	0000184425
Date	Oct 17, 2018
Instrument	184425

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 404 S 4th St was $1,794, up 0.1% from the year before.

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
2026	$1,794.00 (+0.06%)	$130,953 (-) Land $18,522 Building $112,431
2025	$1,793.00 (-1.21%)	$130,953 Land $18,522 Building $112,431
2024	$1,815.00 (+2.66%)
2023	$1,768.00 (+17.87%)	$120,732 Land $18,522 Building $102,210
2022	$1,500.00

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

Flood

FEMA maps place 404 S 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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

Wildfire risk around 404 S 4th St is low, with less than a 0.01% annual chance of 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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