McCook County property record for 43058 245th St, Spencer, SD 57374
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,038 sqft · built 1953 |
| Lot Size | 23 acres (1,001,880 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $2,649 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 04.06.3401 |
| Primary APN | 04.06.3401 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 3,120 sqft |
| 1st Floor Area | 1,560 sqft |
| Basement Area | 1,560 sqft |
| Finished Basement | 478 sqft |
| Unfinished Basement | 1,082 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Wood |
| Roof Material | Metal |
| Lot Area | 1,001,880 sqft (23 acres) |
| Garage Type | Detached |
| Garage Area | 1,344 sqft |
| Parking Spaces | 5 Parking Spaces |
| Deck Area | 220 sqft |
| Utility Building | 6,000 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 43058 245TH ST |
|---|---|
| City | SPENCER |
| State | SD |
| Zip | 57374-5000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | TRACT 1 OF KEITH'S AD D IN THE SW4SE4 AND S E4SW4 OF 6-104-56 (23 AC) |
| Legal Range | 56 |
| Legal Township | 104 |
| Legal Section | 06 |
| Legal Subdivision | KEITHS ADD |
| Legal Tract | 1 |
| Jurisdiction | MCCOOK SD |
| Township / Civil Division | PEARL |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 964600 |
Source: McCook County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 43058 245TH ST, SPENCER, SD 57374-5000 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 16, 2013 |
| Transfer Doc | 186/085 |
| Record Updated | Oct 29, 2026 |
Source: McCook County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | McCook County |
| County Subdivision | Pearl Township |
| Unified School District | Howard School District 48-3 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,649.00 (+13.84%) | $95,640 (+0.57%) Land $50,040 Building $45,600 | $95,640 (+0.57%) Land $50,040 Building $45,600 |
| 2025 | $2,327.00 (+21.45%) | $95,096 (-62.18%) Land $49,496 Building $45,600 | $95,096 (-62.18%) Land $49,496 Building $45,600 |
| 2023 | $251,454 Land $46,054 Building $205,400 | $251,454 Land $46,054 Building $205,400 | |
| 2022 | $1,916.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 10, 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 | 3 in force |
| Nearby Flood Claims | 2 (1997) |
| Most Recent Claim | Mar 1997 · Severe Flooding, Sever Winter Storms,heavy Rains High Winds |
| 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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrioTel Communications Fiber | 1,000 / 1,000 |
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