45429 River Dr, Vermillion, SD 57069 Property Records

Clay County property record for 45429 River Dr, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 780 sqft · built 1974
Lot Size	2.39 acres (104,108 sqft)
Owner	Company Name on Record
Last Sale	$255,000 (Jun 2022)
Tax Bill	$2,973 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10401-09253-210-02`

Property Details

APN / Parcel Number

Primary APN	`10401-09253-210-02`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	780 sqft Living Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2000
Exterior Material	Marblecrete
Construction Type	Metal Frame
Roof Material	Metal
Lot Area	104,108 sqft (2.39 acres)
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	45429 RIVER DR
City	VERMILLION
State	SD
Zip	57069
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 HOLTER WAGNER 21-92-53 NORWAY TWP
Legal Subdivision	HOLTER-WAGNER ADD
Legal Lot Number	2
Jurisdiction	CLAY SD
Township / Civil Division	NORWAY
Census Block Group	3
Census Block	3197
Census Tract	965800

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	109 AUSTIN ST, VERMILLION, SD 57069-3011
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Deed of Trust, Mortgage BANK OF DIXON COUNTY
Jun 16, 2022	Warranty Deed, Transfer BANK OF DIXON COUNTY NEWCASTLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2022 · Amount on Record
Deed Sale	Jun 14, 2022 · Amount on Record
Prior Sale	Jun 14, 2022 · Amount on Record
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45429 RIVER DR, VERMILLION, SD 57069
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 AUSTIN ST LLC, VERMILLION, SD 57069-3011

Mortgage

Document Number	0MT147/192
Date	Apr 24, 2023
Book Page	MT147/192
Instrument	149327

Lender

Name	BANK OF DIXON COUNTY
Type	Bank
Address	NEWCASTLE, NE 68757

Agreement

Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY SD
Recording Date	Jun 16, 2022
Property Address	45429 RIVER DR, VERMILLION, SD 57069
Document Number	000D82/828
Book / Page	D82 / 828
Instrument Date	Jun 14, 2022
Instrument	147921
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 AUSTIN ST, VERMILLION, SD 57069-3011

Mortgage

Document Number	0000147922
Date	Jun 16, 2022
Instrument	147922

Lender

Name	BANK OF DIXON COUNTY NEWCASTLE
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

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	$2,973.00 (+116.53%)	$182,001 (+146.78%) Land $76,629 Building $105,372
2023	$1,373.00 (+13.94%)	$73,751 Land $52,575 Building $21,176
2022	$1,205.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 46% of the US · lower than 66% of South Dakota
Wildfire Likelihood	0.07% 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 4 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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