405 S Walnut St, Elk Point, SD 57025 Property Records

Union County property record for 405 S Walnut St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,200 sqft · built 2019
Lot Size	0.435 acres (18,938 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Apr 2025)
Tax Bill	$3,369 (2026)
Deeds & Mortgages	Apr 2025 Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03.05.47.1005`

Property Details

APN / Parcel Number

Primary APN	`03.05.47.1005`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,200 sqft Living Area
Flooring	Brick
Interior Walls	Brick

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Combination
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	18,938 sqft (0.435 acres)
Lot Dimensions	160 ft deep x 117 ft wide
Garage Type	Attached
Garage Area	712 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 S WALNUT ST
City	ELK POINT
State	SD
Zip	57025-2456
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 47 W&H ADD EP CITY
Legal Subdivision	W&H ADD
Legal Block	47
Legal Lot Number	5
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	3
Census Block	3026
Census Tract	20200

Owner

Source: Union County records, as of October 20, 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	405 S WALNUT ST, ELK POINT, SD 57025-2456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2025	Warranty Deed, Transfer · FHA Mortgage FIRST PREMIER BANK
Jan 13, 2020	Warranty Deed, Transfer · USDA Mortgage USDA
Jan 24, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Prior Sale	Jan 13, 2020 · Amount on Record
Deed Document Number	2025
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Apr 17, 2025
Property Address	405 S WALNUT ST, ELK POINT, SD 57025-2456
Document Number	000115/203
Book / Page	115 / 203
Instrument Date	Apr 15, 2025
Instrument	250773
Transaction Type	Transfer
Record Updated	Oct 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 S WALNUT ST, ELK POINT, SD 57025-2456

Mortgage

Document Number	0000186227
Date	Apr 17, 2025
Instrument	186/227

Lender

Name	FIRST PREMIER BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jan 13, 2020
Property Address	405 S WALNUT ST, ELK POINT, SD 57025-2456
Document Number	00110/0032
Book / Page	110 / 0032
Instrument Date	Jan 13, 2020
Instrument	200204
Transaction Type	Transfer
Record Updated	Dec 29, 2021

Transaction

Amount	Amount Recorded
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SOUTH WALNUT STREET, ELK POINT, SD 57025-2456

Mortgage

Document Number	0001760034
Date	Jan 13, 2020
Instrument	176/0034

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jan 13, 2053

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jan 24, 2020
Property Address	405 S WALNUT ST, ELK POINT, SD 57025-2456
Document Number	00110/0052
Book / Page	110 / 0052
Instrument Date	Jan 13, 2020
Instrument	200363
Transaction Type	Transfer
Record Updated	Dec 29, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 W PLEASANT ST, 106, ELK POINT, SD 57025-2417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SOUTH WALNUT STREET, ELK POINT, SD 57025-2456

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Municipality	Elk Point City
Unified School District	Elk Point-Jefferson School District 61-7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,369.00 (+0.03%)	$202,192 (-) Land $28,338 Building $173,854
2025	$3,368.00 (+7.26%)	$202,192 (+8.48%) Land $28,338 Building $173,854
2024	$3,140.00 (-2.48%)
2023	$3,220.00 (+5.09%)	$186,387 Land $28,338 Building $158,049
2022	$3,064.00

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

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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 67% of the US · lower than 81% of South Dakota
Wildfire Likelihood	0.02% 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	ELK POINT serves 2,124 people · EPA ID SD4600116
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	CLAY RURAL WATER SYSTEM
Lead	2 ppb (2023) 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 245 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Bluepeak Cable	1,000 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

405 S Walnut St, Elk Point, SD 57025 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on S Walnut St

Nearby Streets

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