421 Elm St, Vermillion, SD 57069 Property Records

Clay County property record for 421 Elm St, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 825 sqft · built 1950
Lot Size	0.158 acres (6,899 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Jul 2020)
Tax Bill	$1,699 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15730-08600-070-21`

Property Details

APN / Parcel Number

Primary APN	`15730-08600-070-21`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	825 sqft Living Area
1st Floor Area	825 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Marblecrete
Construction Type	Metal Frame
Roof Material	Composition Shingle
Lot Area	6,899 sqft (0.158 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	421 ELM ST
City	VERMILLION
State	SD
Zip	57069-2221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 OF REPLAT OF 7 BLK 86 ADD TO SNYDERS
Legal Subdivision	ADDITION TO SNYDERS ADDITION
Legal Block	86
Legal Lot Number	11
Jurisdiction	CLAY SD
Township / Civil Division	VERMILLION
Census Block Group	3
Census Block	3001
Census Tract	965900

Owner

Source: Clay County records, as of April 7, 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	421 ELM ST, VERMILLION, SD 57069-2221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Jul 8, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on Record
Deed Sale	Jul 8, 2020 · Amount on Record
Deed Document Number	2020143202
Deed Book / Page	81 / 690
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	421 ELM ST, VERMILLION, SD 57069-2221
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT143/521
Date	Jul 29, 2020
Book Page	MT143/521
Instrument	143336

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	421 ELM ST, VERMILLION, SD 57069-2221
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT144/254
Date	Jan 7, 2021
Book Page	MT144/254
Instrument	144432

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Aug 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY SD
Recording Date	Jul 8, 2020
Property Address	421 ELM ST, VERMILLION, SD 57069-2221
Document Number	D81/690
Book / Page	D81 / 690
Instrument Date	Jun 8, 2020
Instrument	143202
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	421 ELM ST, VERMILLION, SD 57069-2221

Mortgage

Document Number	143203
Date	Jul 8, 2020
Instrument	143203

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Clay County
Municipality	Vermillion City
Unified School District	Vermillion School District 13-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,699.00 (+4.94%)	$87,640 (+26.26%) Land $13,936 Building $73,704
2023	$1,619.00 (+21.18%)	$69,415 Land $11,521 Building $57,894
2022	$1,336.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 29, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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	VERMILLION serves 11,695 people · EPA ID SD4600342
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber · Cable in parts of the area	5,000 / 5,000
Midco Cable	1,250 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: ICS Advanced Technologies, T-Mobile.

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