Union County property record for 406 Main St, Jefferson, SD 57038
| Property Type | Commercial |
|---|---|
| Details | 7,104 sqft · built 1972 |
| Lot Size | 0.332 acres (14,463 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $615,000 (Oct 2018) |
| Tax Bill | $3,915 (2026) |
| Deeds & Mortgages | Nov 2018 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04.02.01.1090 |
| Primary APN | 04.02.01.1090 |
|---|
| Units | 4 Units |
|---|---|
| Building Area | 7,104 sqft Total Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 14,463 sqft (0.332 acres) |
| Lot Dimensions | 103 ft deep x 134 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Street Address | 406 MAIN ST |
|---|---|
| City | JEFFERSON |
| State | SD |
| Zip | 57038-2071 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOT 1-134.1X105.2X 166.5X103.5 18 OUTLOTS JEFF CITY OLD SCHOOL TRACT |
| Legal Subdivision | PART OF THE OLD SCHOOL TRACT |
| Legal Block | 18 |
| Legal Lot Number | 1-134 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 20302 |
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 | 1110 REDICK AVE, CREIGHTON, NE 68729-2892 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2018 | Deed of Trust, Mortgage · Commercial Mortgage HERITAGE BANK NA |
| Jun 8, 2020 | Deed of Trust, Mortgage · Commercial Mortgage AVAILA BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2018 · Amount on Record |
| Deed Sale | Oct 25, 2018 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 406 MAIN ST, JEFFERSON, SD 57038-2071 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00172/0845 |
|---|---|
| Date | Nov 1, 2018 |
| Book Page | 172/0845 |
| Instrument | 184687 |
| Name | HERITAGE BANK NA |
|---|---|
| Type | Bank |
| Address | SPICER, MN 56288 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Oct 25, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 406 MAIN ST, JEFFERSON, SD 57038-2071 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000176/579 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 176/579 |
| Instrument | 202485 |
| Name | AVAILA BANK |
|---|---|
| Type | Bank |
| Address | SIOUX CITY, IA 51103 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 15, 2035 |
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | Jefferson City |
| Unified School District | Elk Point-Jefferson School District 61-7 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $3,915.00 (+0.03%) | $204,991 (-) Land $45,957 Building $159,034 |
| 2025 | $3,914.00 (+13.61%) | $204,991 (+19.86%) Land $45,957 Building $159,034 |
| 2024 | $3,445.00 (-1.57%) | |
| 2023 | $3,500.00 (-3.69%) | $171,025 Land $37,305 Building $133,720 |
| 2022 | $3,634.00 |
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.
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 | 5 in force |
| Nearby Flood Claims | 5 (2014–2024) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Jun 2024 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.5% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JEFFERSON serves 475 people · EPA ID SD4600060 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | 1 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Metro Cable · Fiber in parts of the area | 1,500 / 50 |
| Midco Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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