45 Cypress Dr, Vermillion, SD 57069 Property Records

Clay County property record for 45 Cypress Dr, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,343 sqft · built 2008
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,791 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15715-00700-090-00`

Property Details

APN / Parcel Number

Primary APN	`15715-00700-090-00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,343 sqft Living Area
Gross Area	3,546 sqft
1st Floor Area	1,773 sqft
Basement Area	1,773 sqft
Finished Basement	1,570 sqft
Unfinished Basement	1,773 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Block
Roof Material	Composition Shingle
Lot Area	13,000 sqft (0.298 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 CYPRESS DR
City	VERMILLION
State	SD
Zip	57069-7078
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 7 SMITH-QUAM ADDN
Legal Subdivision	SMITH QUAM ADDITION
Legal Block	7
Legal Lot Number	9
Jurisdiction	CLAY SD
Township / Civil Division	VERMILLION
Census Block Group	2
Census Block	2017
Census Tract	965700

Owner

45 Cypress Dr is owned and occupied by two individuals.

Source: Clay County records, as of April 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 CYPRESS DR, VERMILLION, SD 57069-7078
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45 CYPRESS DR, VERMILLION, SD 57069-7078
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT143/893
Date	Oct 20, 2020
Book Page	MT143/893
Instrument	143902

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Cypress Dr was $8,791.

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	$8,791.00	$489,481 Land $35,360 Building $454,121
2023	$7,823.00 (+6.03%)	$374,352 Land $30,810 Building $343,542
2022	$7,378.00

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

Flood

FEMA maps place 45 Cypress Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 29, 2020 · 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	1 in force

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.

Wildfire

Wildfire risk around 45 Cypress Dr is moderate, ranking above 45% of the US, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 68% of South Dakota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	CLAY RURAL WATER SYSTEM private · serves 4,780 people · EPA ID SD4600626
Water Source	Groundwater
Last State Inspection	Aug 2025
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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber	5,000 / 5,000
Midco Cable	1,250 / 250
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20