405 W Main St, Elk Point, SD 57025 Property Records

Union County property record for 405 W Main St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	2 bd · 996 sqft · built 1890
Lot Size	0.112 acres (4,875 sqft)
Owner	2 Individual Names on File
Last Sale	$121,000 (Sep 2023)
Tax Bill	$1,321 (2026)
Deeds & Mortgages	Feb 2024 Transfer Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03.01.08.1015`

Property Details

APN / Parcel Number

Primary APN	`03.01.08.1015`

Interior

Bedrooms	2 Beds
Stories	1 Story
Building Area	996 sqft Living Area
Basement Area	1,716 sqft
Finished Basement	1,716 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	4,875 sqft (0.112 acres)
Lot Dimensions	75 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	405 W MAIN ST
City	ELK POINT
State	SD
Zip	57025-2206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S75' LOT 10 & W15' OF S75' LOT 11 BLK 8 ORIG E P CITY
Legal Block	8
Legal Lot Number	10-11
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	2
Census Block	2004
Census Tract	20200

Owner

405 W Main St is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 W MAIN ST, ELK POINT, SD 57025-2206
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
Feb 15, 2024	Intrafamily Transfer, Transfer
Sep 15, 2023	Personal Representative Deed, Transfer · Conventional Mortgage FIRST PREMIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2023 · Amount on File
Deed Sale	Sep 5, 2023 · Amount on File
Record Updated	Oct 29, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION SD
Recording Date	Feb 15, 2024
Property Address	405 W MAIN ST, ELK POINT, SD 57025-2206
Document Number	0000114/72
Book / Page	114 / 72
Instrument Date	Feb 14, 2024
Instrument	240260
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 W MAIN ST, ELK POINT, SD 57025-2206

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 W MAIN ST, ELK POINT, SD 57025-2206

September 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	UNION SD
Recording Date	Sep 15, 2023
Property Address	405 W MAIN ST, ELK POINT, SD 57025-2206
Document Number	000113/534
Book / Page	113 / 534
Instrument Date	Sep 5, 2023
Instrument	232106
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	$121.00
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 W MAIN ST, ELK POINT, SD 57025-2206

Mortgage

Document Number	0000182501
Date	Sep 15, 2023
Instrument	182/501

Lender

Name	FIRST PREMIER BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 405 W Main St was $1,321, up 0.1% from the year before.

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	$1,321.00 (+0.08%)	$79,229 (-) Land $11,355 Building $67,874
2025	$1,320.00 (+7.06%)	$79,229 Land $11,355 Building $67,874
2024	$1,233.00 (-2.53%)
2023	$1,265.00 (+8.77%)	$73,193 Land $11,355 Building $61,838
2022	$1,163.00

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

Flood

FEMA maps place 405 W Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 405 W Main St is low, with 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 80% of the US · lower than 85% of South Dakota
Wildfire Likelihood	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	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 256 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 · Fiber in parts of the area	1,000 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Long Lines Metro.

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