45402 River Dr, Meckling (Vermillion), SD 57069 Property Records

Clay County property record for 45402 River Dr, Meckling, SD 57069

Property Summary

Property Type	General Agricultural/Rural
Details	4 bd · 4.5 ba · 6,400 sqft · built 2020
Lot Size	1.99 acres (86,684 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,337 (2025)
Deeds & Mortgages	Aug 2019 Construction Loan Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10402-09253-210-10`

Property Details

APN / Parcel Number

Primary APN	`10402-09253-210-10`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Stories	2 Stories
Building Area	6,400 sqft Total Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Lot Area	86,684 sqft (1.99 acres)

Location & Zoning

Street Address	45402 RIVER DR
City	MECKLING
State	SD
Zip	57069-4439
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	LOT 10 RYKEN SUB IN GOVT LOT 4 21-92-53 NORWAY TWP
Legal Subdivision	RYKEN SUBDIVISION
Legal Lot Number	4,10
Jurisdiction	CLAY SD
Township / Civil Division	NORWAY
Census Block Group	3
Census Block	3197
Census Tract	965800

Owner

Source: Clay County assessment roll, as of September 9, 2025

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	45402 RIVER DR, MECKLING, SD 57069-4439
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2019	Deed of Trust, Mortgage · Construction Mortgage BANK OF DIXON COUNTY
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF DIXON COUNTY
Dec 9, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF DIXON COUNTY

Assessor's Deed Record

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45402 RIVER DR, MECKLING, SD 57069-4439
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0MT142/278
Date	Aug 22, 2019
Book Page	MT142/278
Instrument	141358

Lender

Name	BANK OF DIXON COUNTY
Type	Bank
Address	PONCA, NE 68770

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2020

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45402 RIVER DR, MECKLING, SD 57069-4439
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0MT145/674
Date	Nov 29, 2021
Book Page	MT145/674
Instrument	146653

Lender

Name	BANK OF DIXON COUNTY
Type	Bank
Address	PONCA, NE 68770

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2051

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45402 RIVER DR, MECKLING, SD 57069-4439
Transaction Type	Mortgage
Record Updated	Sep 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45402 RIVER DR, MECKLING, SD 57069-4439

Mortgage

Document Number	0MT145/732
Date	Dec 9, 2021
Book Page	MT145/732
Instrument	146750

Lender

Name	BANK OF DIXON COUNTY
Type	Bank
Address	PONCA, NE 68770

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 5, 2051

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Clay County
County Subdivision	Norway Township
Unified School District	Irene-Wakonda School District 13-3 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,337.00 (+2.82%)	$558,085 (+9.68%) Land $57,425 Building $489,407
2023	$7,136.00 (+8.07%)	$508,815 Land $31,263 Building $477,552
2022	$6,603.00

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

Flood

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	2 in force
Nearby Flood Claims	3 (1997–2011)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Aug 2011 · river or lake 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.

Wildfire

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

Wildfire Risk	Moderate above 57% of the US · above 50% of South Dakota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Santel Communications Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River Dr

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