408 Spruce St, Yankton, SD 57078 Property Records

Yankton County property record for 408 Spruce St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1921
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (Oct 2023)
Tax Bill	$2,039 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`78.940.040.060`

Property Details

APN / Parcel Number

Primary APN	`78.940.040.060`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Basement Area	988 sqft
Unfinished Basement	988 sqft
Flooring	Other

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	408 SPRUCE ST
City	YANKTON
State	SD
Zip	57078-3828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 6 BLK 40 WITHERSPOONS ADDN
Legal Subdivision	WITHERSPOONS ADDN
Legal Block	40
Legal Lot Number	6
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	4
Census Block	4050
Census Tract	966302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 76, YANKTON, SD 57078-0076
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Oct 31, 2023	Warranty Deed, Transfer BRANTON TITLE COMPANY, YANKTON TITLE COMPANY
Jun 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage BRECK FAMILY TRUST
Nov 28, 2018	Affidavit of Death of Joint Tenant, Transfer YANKTON TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Jun 15, 2021 · Amount on Record
Deed Document Number	2023199988
Deed Book / Page	571 / 460
Prior Transfer Date	Nov 28, 2018
Prior Transfer Doc	000543/108
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	408 SPRUCE ST, YANKTON, SD 57078-3828
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	BRANTON TITLE COMPANY, YANKTON TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 SPRUCE ST, YANKTON, SD 57078-3828

Mortgage

Document Number	000569/597
Date	Jun 7, 2023
Book Page	569/597

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Oct 31, 2023
Property Address	408 SPRUCE ST, YANKTON, SD 57078-3828
Document Number	000571/460
Book / Page	571 / 460
Map Reference	MB G PG 5
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	BRANTON TITLE COMPANY, YANKTON TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2206 BURLEIGH ST, YANKTON, SD 57078-1879

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 76, YANKTON, SD 57078-0076
Investor	Possibly a Property Investor

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Jun 15, 2021
Property Address	408 SPRUCE ST, YANKTON, SD 57078-3828
Document Number	000559/245
Book / Page	559 / 245
Map Reference	MB G PG 5
Instrument Date	Jun 15, 2021
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	UNKNOWN, YANKTON TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2015 GREEN ST APT 106, 106, YANKTON, SD 57078-2070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 546, YANKTON, SD 57078-0546
Investor	Possibly a Property Investor

Mortgage

Document Number	0000559246
Date	Jun 15, 2021
Instrument	559/246

Lender

Name	BRECK FAMILY TRUST
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 20, 2026

November 2018: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	YANKTON SD
Recording Date	Nov 28, 2018
Property Address	408 SPRUCE ST, YANKTON, SD 57078-3828
Document Number	000543/108
Book / Page	543 / 108
Instrument Date	Nov 28, 2018
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	YANKTON TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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		$125,400 (-) Land $9,300 Building $116,100	$125,400 (+53.3%) Land $9,300 Building $116,100
2025	$2,039.00 (-6.98%)	$125,400 (+17.75%) Land $9,300 Building $116,100
2024	$2,192.00 (+71.52%)
2023		$106,500 Land $9,300 Building $97,200
2022	$1,278.00
2021			$81,800 Land $9,300 Building $72,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 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	YANKTON serves 15,411 people · EPA ID SD4600423
Water Source	Groundwater
Last State Inspection	Aug 2023
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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber · Cable	5,000 / 5,000
Midco Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: South Dakota Wireless Internet.

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