406 Ruth St, Yankton, SD 57078 Property Records

Yankton County property record for 406 Ruth St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 1,730 sqft · built 2004
Lot Size	0.31 acres (13,493 sqft)
Owner	2 Trust Names on File
Tax Bill	$6,156 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78.685.001.030`

Property Details

APN / Parcel Number

Primary APN	`78.685.001.030`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,730 sqft Living Area
Basement Area	1,673 sqft
Finished Basement	1,673 sqft
Unfinished Basement	1,673 sqft
Flooring	Other

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,493 sqft (0.31 acres)
Garage Type	Attached
Garage Area	856 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	406 RUTH ST
City	YANKTON
State	SD
Zip	57078-5129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 3 BLK 1 RIDGEWAY NORTH S/D
Legal Subdivision	NORTH SUBDIVISION
Legal Block	1
Legal Lot Number	3
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	1
Census Block	1016
Census Tract	966200

Owner

406 Ruth St is owner-occupied and held in a trust.

Source: Yankton County records, as of October 1, 2026

Owner of Record	2 Trust Names on File
Mailing Address	406 RUTH ST, YANKTON, SD 57078-5129
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Oct 21, 2022	Intrafamily Transfer, Transfer
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	406 RUTH ST, YANKTON, SD 57078-5129
Transaction Type	Mortgage
Record Updated	Mar 17, 2023
Title Company	NOT AVAILABLE, YANKTON TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000566/508
Date	Aug 31, 2022
Book Page	566/508

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	YANKTON, SD 57078

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YANKTON SD
Recording Date	Oct 21, 2022
Property Address	406 RUTH ST, YANKTON, SD 57078-5129
Document Number	000567/308
Book / Page	567 / 308
Map Reference	MB S19 PG 4
Instrument Date	Oct 20, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 RUTH ST, YANKTON, SD 57078-5129

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	406 RUTH ST, YANKTON, SD 57078-5129

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Mar 31, 2022
Property Address	406 RUTH ST, YANKTON, SD 57078-5129
Document Number	000564/242
Book / Page	564 / 242
Map Reference	MB S19 PG 4
Instrument Date	Mar 24, 2022
Transaction Type	Transfer
Record Updated	Mar 16, 2023
Title Company	NOT AVAILABLE, YANKTON TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 CEDAR ST, YANKTON, SD 57078-4306

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	202 W 3RD ST, YANKTON, SD 57078-4323
Investor	Possibly a Property Investor

Mortgage

Document Number	0000564243
Date	Mar 31, 2022
Instrument	564/243

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 406 Ruth St was $6,156.

Source: Yankton County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Yankton County
Municipality	Yankton City
Unified School District	Yankton School District 63-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$471,900 Land $52,500 Building $419,400	$471,900 Land $52,500 Building $419,400
2025	$6,156.00
2023		$401,100 Land $38,000 Building $363,100
2022	$5,371.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 406 Ruth St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 13, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 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 406 Ruth 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	YANKTON serves 15,411 people · EPA ID SD4600423
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	BY WATER DISTRICT
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
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 317 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Bluepeak Cable	1,000 / 30

May also be available: South Dakota Wireless Internet, Verizon.

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