413 Spruce St, Yankton, SD 57078 Property Records

Yankton County property record for 413 Spruce St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,014 sqft · built 1925
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Tax Bill	$2,315 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`78.940.041.150`

Property Details

APN / Parcel Number

Primary APN	`78.940.041.150`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,014 sqft Living Area
Basement Area	944 sqft
Finished Basement	944 sqft
Unfinished Basement	944 sqft
Flooring	Other

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 SPRUCE ST
City	YANKTON
State	SD
Zip	57078-3827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N33 LT 15 & S2 LT 16 BLK 41 WITHERSPOONS ADDN
Legal Subdivision	WITHERSPOONS ADDN
Legal Block	41
Legal Lot Number	15,16
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	4
Census Block	4039
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	Individual Name on Record
Mailing Address	413 SPRUCE ST, YANKTON, SD 57078-3827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Oct 27, 2017	Deed, Transfer BRANTON TITLE COMPANY, YANKTON TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	413 SPRUCE ST, YANKTON, SD 57078-3827
Transaction Type	Mortgage
Record Updated	Jan 16, 2026
Title Company	BRANTON TITLE COMPANY, YANKTON TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000556/102
Date	Jan 13, 2021
Book Page	556/102

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	YANKTON SD
Recording Date	Oct 27, 2017
Property Address	413 SPRUCE ST, YANKTON, SD 57078-3827
Document Number	000537/279
Book / Page	537 / 279
Instrument Date	Oct 23, 2017
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	BRANTON TITLE COMPANY, YANKTON TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$134.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2111 W 11TH ST # ST127, ST127, YANKTON, SD 57078-6865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 SPRUCE ST, YANKTON, SD 57078-3827
Investor	Possibly a Property Investor

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		$174,700 (-) Land $11,700 Building $163,000	$174,700 Land $11,700 Building $163,000
2025	$2,315.00 (-4.69%)	$174,700 (+22.86%) Land $11,700 Building $163,000
2024	$2,429.00 (+42.71%)
2023		$142,200 Land $11,700 Building $130,500
2022	$1,702.00

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

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
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 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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