45145 Union School Rd, Gayville, SD 57031 Property Records

Yankton County property record for 45145 Union School Rd, Gayville, SD 57031

Property Summary

Property Type	Single Family Home
Details	1,608 sqft · built 1890
Lot Size	5.12 acres (223,027 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Mar 2019)
Tax Bill	$2,465 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01.036.300.150`

Property Details

APN / Parcel Number

Primary APN	`01.036.300.150`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft
Flooring	Hardwood

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Metal
Lot Area	223,027 sqft (5.12 acres)
Garage Type	Mixed
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45145 UNION SCHOOL RD
City	GAYVILLE
State	SD
Zip	57031-6518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT A OF SW4
Legal Range	54
Legal Township	93
Legal Section	36
Legal Lot Number	A
Jurisdiction	YANKTON SD
Township / Civil Division	GAYVILLE
Census Block Group	5
Census Block	5112
Census Tract	966400

Owner

Source: Yankton County records, as of October 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	45145 UNION SCHOOL RD, GAYVILLE, SD 57031-6518
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Deed of Trust, Mortgage · Line of Credit MIDWEST BANK
Mar 1, 2019	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2019 · Amount on Record
Deed Sale	Mar 1, 2019 · Amount on Record
Deed Book / Page	544 / 161
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	45145 UNION SCHOOL RD, GAYVILLE, SD 57031-6518
Transaction Type	Mortgage
Record Updated	Jun 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45145 UNION SCHOOL RD, GAYVILLE, SD 57031-6518

Mortgage

Document Number	000564/540
Date	May 2, 2022
Book Page	564/540

Lender

Name	MIDWEST BANK
Type	Bank
Address	PLAINVIEW, NE 68769

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Mar 1, 2019
Property Address	45145 UNION SCHOOL RD, GAYVILLE, SD 57031-6518
Document Number	544/161
Book / Page	544 / 161
Instrument Date	Feb 28, 2019
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	YANKTON TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31132 BON HOMME RD, 31132, TABOR, SD 57063-6402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45145 UNION SCHOOL RD, GAYVILLE, SD 57031-6518

Mortgage

Document Number	544162
Date	Mar 1, 2019
Instrument	544/162

Lender

Name	HERITAGE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Yankton County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Yankton County
County Subdivision	Gayville Township
Unified School District	Gayville-Volin School District 63-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$234,900 (+28.36%) Land $27,600 Building $207,300	$234,900 Land $27,600 Building $207,300
2025	$2,465.00 (+18.57%)
2023		$183,000 Land $23,900 Building $159,100
2022	$2,079.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 13, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	11 (1997–2019)
Claims Outside the SFHA	5 of 11
Most Recent Claim	Sep 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Sep 2019 · 8 claims

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of South Dakota
Wildfire Likelihood	Under 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.

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
Also Mapped Here	BY WATER DISTRICT
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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
South Dakota Wireless Internet Fixed Wireless	75 / 20
Bluepeak DSL · Fiber in parts of the area	10 / 1

May also be available: Verizon.

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