Lawrence County property record for 431 N 3rd St, Spearfish, SD 57783
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 813 sqft · built 1890 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,311 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 32090-04800-040-00 |
| Primary APN | 32090-04800-040-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Building Area | 813 sqft Living Area |
| 1st Floor Area | 655 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 100 ft deep x 90 ft wide |
| Account Number | R16417 |
|---|---|
| Street Address | 431 N 3RD ST |
| City | SPEARFISH |
| State | SD |
| Zip | 57783-1931 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL TOWN SPEARFISH S 40' OF E 100' OF LOT 3 & E 100' OF LOT 4 BLK 48 PLAT BK1 PG73 |
| Legal Subdivision | ORIGINAL TOWN SPEARFISH |
| Legal Block | 48 |
| Legal Lot Number | 3-4 |
| Jurisdiction | LAWRENCE SD |
| Township / Civil Division | SPEARFISH |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 966200 |
Source: Lawrence County records, as of September 15, 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 | 225 HILLCREST ST, SPEARFISH, SD 57783-2632 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: Lawrence County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Lawrence County |
| Municipality | Spearfish City |
| Unified School District | Spearfish School District 40-2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $189,010 (+6.91%) Land $99,000 Building $90,010 | ||
| 2025 | $2,311.00 (-4.62%) | $176,790 (+51.97%) Land $90,000 Building $86,790 | |
| 2024 | $2,423.00 (+25.35%) | ||
| 2023 | $140,080 Land $58,500 Building $81,580 | ||
| 2022 | $1,933.00 | $116,330 Land $54,000 Building $62,330 |
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 April 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 4 (1992–1995) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jun 1995 · Flooding |
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 | Moderate above 54% of the US · above 43% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SPEARFISH serves 13,803 people · EPA ID SD4600311 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 3 ppb (2024) 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 181 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 250 |
| Bluepeak Cable · Fiber in parts of the area | 1,000 / 30 |
| Wisp West Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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