McCook County property record for 43154 SD Highway 38, Spencer, SD 57374
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,668 sqft · built 1917 |
| Lot Size | 9.2 acres (400,752 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,219 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.17.3000 |
| Primary APN | 05.17.3000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,668 sqft Living Area |
| Gross Area | 2,296 sqft |
| 1st Floor Area | 840 sqft |
| Basement Area | 728 sqft |
| Finished Basement | 100 sqft |
| Unfinished Basement | 628 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1917 |
| Exterior Material | Wood |
| Roof Material | Galvanized Metal |
| Lot Area | 400,752 sqft (9.2 acres) |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 43154 SD HIGHWAY 38 |
|---|---|
| City | SPENCER |
| State | SD |
| Zip | 57374-5401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W585' OF S685' SE4 17-103-56 EX LAND DEEDED FOR ROAD IN 104D455 |
| Legal Range | 56 |
| Legal Township | 103 |
| Legal Section | 17 |
| Legal Subdivision | SE 1/4, S17 T103 R56 |
| Jurisdiction | MCCOOK SD |
| Township / Civil Division | BENTON |
| Census Block Group | 2 |
| Census Block | 2180 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 43154 SD HIGHWAY 38, SPENCER, SD 57374-5401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 9, 2012 |
| Transfer Doc | 185/198 |
| 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 | Benton Township |
| Unified School District | McCook Central School District 43-7 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,219.00 (+26.24%) | $81,800 (-) Land $81,000 Building $800 | $81,800 (-) Land $81,000 Building $800 |
| 2025 | $2,550.00 (+17.03%) | $81,800 (-58.37%) Land $81,000 Building $800 | $81,800 (-58.37%) Land $81,000 Building $800 |
| 2023 | $196,500 Land $48,600 Building $147,900 | $196,500 Land $48,600 Building $147,900 | |
| 2022 | $2,179.00 |
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 98% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HANSON RURAL WATER SYSTEM private · serves 2,685 people · EPA ID SD4600878 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2025) 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrioTel Communications Fiber | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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