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

Union County property record for 412 W Main St, Elk Point, SD 57025 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,232 sqft · built 1977
Lot Size	0.2 acres (8,700 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,923 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`03.01.28.1015`

Property Details

APN / Parcel Number

Primary APN	`03.01.28.1015`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	984 sqft
Finished Basement	984 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	8,700 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	412 W MAIN ST
City	ELK POINT
State	SD
Zip	57025-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTERLY 8' OF LOT 5 & ALL OF LOT 6 BLK 28 ORIG E P CITY
Legal Subdivision	ORIGINAL PLAT OF THE CITY ELK POINT
Legal Block	28
Legal Lot Number	5-6
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	2
Census Block	2007
Census Tract	20200

Owner

Source: Union County records · APN 03.01.28.1015

Assessment roll updated October 6, 2025 · Last verified April 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 File
Mailing Address	412 W MAIN ST, ELK POINT, SD 57025-2207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage SIOUXLAND FCU
Jan 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Oct 17, 2019	Deed of Trust, Mortgage · Line of Credit FIRST DAKOTA NATIONAL BANK
Nov 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRIME BANK
Sep 15, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 14, 2017
Transfer Doc	00107/0480
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	412 W MAIN ST, ELK POINT, SD 57025-2207
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000186/730
Date	Nov 24, 2025
Book Page	186/730
Instrument	252715

Lender

Name	SIOUXLAND FCU
Type	Credit Union
Address	3000 PLAZA DR, SOUTH SIOUX CITY, NE 68776

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2031
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year CMT
Margin	3
Max Rate	11.7%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	412 W MAIN ST, ELK POINT, SD 57025-2207
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	178/30
Date	Jan 08, 2021
Book Page	178/30
Instrument	210150

Lender

Name	CENTRAL BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	412 W MAIN ST, ELK POINT, SD 57025-2207
Transaction Type	Mortgage
Record Updated	Nov 13, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	174/0837
Date	Oct 17, 2019
Book Page	174/0837
Instrument	194371

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	412 W MAIN ST, ELK POINT, SD 57025-2207
Transaction Type	Mortgage
Record Updated	Dec 08, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 174651
Date	Nov 21, 2017
Book Page	170/0872
Instrument	174651

Lender

Name	PRIME BANK
Type	Bank
Address	SIOUX CITY, IA 51106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION SD
Recording Date	Sep 15, 2017
Property Address	412 W MAIN ST, ELK POINT, SD 57025-2207
Document Number	00107/0480
Book / Page	107 / 0480
Instrument Date	Sep 14, 2017
Instrument	173631
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	412 W MAIN ST, ELK POINT, SD 57025-2207

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated October 6, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value
2025	$2,923.00 (+7.86%)	$175,490 (+9.07%) Land $14,900 Building $160,590
2024	$2,710.00 (-2.52%)
2023	$2,780.00 (+9.19%)	$160,891 Land $14,900 Building $145,991
2022	$2,546.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (46127C), updated May 31, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 461270202002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 256 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Fiber	5,000 / 5,000
Clarity Telecom	Cable	1,000 / 30
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Clarity Telecom, Midcontinent Communications, Long Lines. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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