404 W Main St, Beresford, SD 57004 Property Records

Union County property record for 404 W Main St, Beresford, SD 57004

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,512 sqft · built 1972
Lot Size	0.224 acres (9,750 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Mar 2018)
Tax Bill	$2,756 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02.04.09.1020`

Property Details

APN / Parcel Number

Primary APN	`02.04.09.1020`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
Basement Area	1,008 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,750 sqft (0.224 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Area	312 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	404 W MAIN ST
City	BERESFORD
State	SD
Zip	57004-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W65'OF SE1/4 BLK 9 THORSON'S 1ST ADD BERES CITY
Legal Subdivision	THORSON'S 1ST ADD
Legal Block	9
Legal Lot Number	W65
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	BERESFORD
Census Block Group	2
Census Block	2058
Census Tract	20100

Owner

404 W Main St is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	404 W MAIN ST, BERESFORD, SD 57004-1732
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
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Mar 20, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2018 · Amount on File
Deed Sale	Mar 20, 2018 · Amount on File
Deed Document Number	20181074
Deed Book / Page	108 / 150
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	404 W MAIN ST, BERESFORD, SD 57004-1732
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	176/1420
Date	Dec 10, 2020
Book Page	176/1420
Instrument	205961

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION SD
Recording Date	Mar 20, 2018
Property Address	404 W MAIN ST, BERESFORD, SD 57004-1732
Document Number	00108/0150
Book / Page	108 / 0150
Instrument Date	Mar 16, 2018
Instrument	181074
Transaction Type	Transfer
Record Updated	Dec 14, 2021

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	404 SUNNYSIDE AVE, 404, VALLEY SPRINGS, SD 57068-9376

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 W MAIN ST, BERESFORD, SD 57004-1732

Mortgage

Document Number	0000181075
Date	Mar 20, 2018
Instrument	181075

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 404 W Main St was $2,756.

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	$2,756.00	$201,200 (-) Land $24,570 Building $176,630
2025	$2,756.00 (-1.18%)	$201,200 Land $24,570 Building $176,630
2024	$2,789.00 (+2.88%)
2023	$2,711.00 (+17.87%)	$185,143 Land $24,570 Building $160,573
2022	$2,300.00

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

Flood

FEMA maps place 404 W Main 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 W Main 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 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	BERESFORD serves 2,359 people · EPA ID SD4600386
Water Source	Purchased groundwater from LEWIS AND CLARK REGIONAL WATER SYSTE
Last State Inspection	Aug 2025
Also Mapped Here	CLAY RURAL WATER SYSTEM
Lead	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 322 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Rise Broadband, Verizon.

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