McCook County property record for 43318 SD Highway 38, Spencer, SD 57374 · Last verified April 2026
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,581 sqft · built 1987 |
| Lot Size | 159 acres (6,957,839 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,488 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.15.4000 |
| Primary APN | 05.15.4000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,581 sqft Living Area |
| Gross Area | 2,331 sqft |
| 1st Floor Area | 1,247 sqft |
| Basement Area | 416 sqft |
| Unfinished Basement | 416 sqft |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 6,957,839 sqft (159 acres) |
| Garage Type | Attached |
| Garage Area | 1,380 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Granary | Granary |
| Utility Building | 2,400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 43318 SD HIGHWAY 38 |
|---|---|
| City | SPENCER |
| State | SD |
| Zip | 57374-5403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | SW4 EX LOT H-1 15-103 -56 |
| Legal Range | 56 |
| Legal Township | 103 |
| Legal Section | 15 |
| Legal Subdivision | S15 T103 R56 |
| Jurisdiction | MCCOOK SD |
| Township / Civil Division | BENTON |
| Census Block Group | 2 |
| Census Block | 2178 |
| Census Tract | 964600 |
Source: McCook County records · APN 05.15.4000
Assessment roll updated September 3, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 43318 SD HIGHWAY 38, SPENCER, SD 57374-5403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Mar 12, 2013 |
| Transfer Doc | 185/883 |
| Record Updated | Jun 08, 2026 |
Source: McCook County records · Assessment roll updated September 3, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | McCook County |
| County Subdivision | Benton Township |
| Unified School District | McCook Central School District 43-7 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,488.00 (+0.6%) | $486,027 (-17.63%) Land $452,827 Building $33,200 | $486,027 (-17.63%) Land $452,827 Building $33,200 |
| 2023 | $590,060 Land $421,060 Building $169,000 | $590,060 Land $421,060 Building $169,000 | |
| 2022 | $5,455.00 |
Source: FEMA National Flood Hazard Layer, McCook County (46087C), updated March 10, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 460879646002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1997) |
| Most Recent Claim | Mar 1997, rainfall accumulation, Severe Flooding, Sever Winter Storms,heavy Rains High Winds |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 52% of the US · above 40% of South Dakota |
|---|---|
| Wildfire Likelihood | About 1 in 1,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| TrioTel Communications | Fiber | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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