Union County property record for 409 Lakeshore Dr, McCook Lake, SD 57049
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,024 sqft · built 2016 |
| Lot Size | 0.131 acres (5,706 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $439,950 (Dec 2024) |
| Tax Bill | $4,008 (2025) |
| Deeds & Mortgages | Jul 2016 Line of Credit Dec 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.20.09.1065 |
| Primary APN | 05.20.09.1065 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 1,024 sqft Living Area |
| Interior Walls | Wood |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 5,706 sqft (0.131 acres) |
| Lot Dimensions | 95.1 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 409 LAKESHORE DR |
|---|---|
| City | NORTH SIOUX CITY |
| State | SD |
| Zip | 57049-4004 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 40 OF 9 & 10 FRISBIES 3 N SIOUX CITY |
| Legal Block | 3 |
| Legal Lot Number | 40 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | NORTH SIOUX CITY |
| Census Block Group | 3 |
| Census Block | 3068 |
| Census Tract | 20302 |
Source: Union County records, as of June 30, 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 | 409 LAKESHORE DR, NORTH SIOUX CITY, SD 57049-4004 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2016 | Deed of Trust, Mortgage · Line of Credit PIONEER BANK |
| Dec 20, 2024 | Deed of Distribution, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2024 · Amount on Record |
| Deed Sale | Dec 2, 2024 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 409 LAKESHORE DR, MCCOOK LAKE, SD 57049-4004 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00168/0546 |
|---|---|
| Date | Jul 12, 2016 |
| Book Page | 168/0546 |
| Instrument | 162851 |
| Name | PIONEER BANK |
|---|---|
| Type | Bank |
| Address | SIOUX CITY, IA 51106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 28, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Dec 20, 2024 |
| Property Address | 409 LAKESHORE DR, MCCOOK LAKE, SD 57049-4004 |
| Document Number | 000114/673 |
| Book / Page | 114 / 673 |
| Instrument Date | Dec 2, 2024 |
| Instrument | 242747 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 LAKESHORE DR, MCCOOK LAKE, SD 57049-4004 |
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | North Sioux City |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,008.00 (+0.75%) | $268,711 (-) Land $71,124 Building $197,587 |
| 2024 | $3,978.00 (-1.04%) | |
| 2023 | $4,020.00 (+11.64%) | $268,711 Land $71,124 Building $197,587 |
| 2022 | $3,601.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| 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 64% of the US · lower than 77% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH SIOUX CITY serves 3,042 people · EPA ID SD4600226 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 4 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 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Metro Cable | 1,500 / 50 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: ImOn Communications.
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