45497 River Dr, Meckling (Vermillion), SD 57069 Property Records

Clay County property record for 45497 River Dr, Meckling, SD 57069

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,280 sqft · built 2007
Lot Size	3.67 acres (159,865 sqft)
Owner	Individual Name on Record
Last Sale	$515,000 (Jul 2021)
Tax Bill	$6,158 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10300-00000-090-00`

Property Details

APN / Parcel Number

Primary APN	`10300-00000-090-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Finished Basement	1,080 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Block
Roof Material	Composition Shingle
Lot Area	159,865 sqft (3.67 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45497 RIVER DR
City	MECKLING
State	SD
Zip	57069-4439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 HOLMES FOREST 21-92-53 NORWAY TWP
Legal Subdivision	HOLMES FOREST ADDITION
Legal Lot Number	9
Jurisdiction	CLAY SD
Township / Civil Division	NORWAY
Census Block Group	3
Census Block	3202
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	Individual Name on Record
Mailing Address	45497 RIVER DR, MECKLING, SD 57069-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Warranty Deed, Transfer · Conventional Mortgage MADISON COUNTY BANK
Jul 15, 2019	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2021 · Amount on Record
Deed Sale	Jul 22, 2021 · Amount on Record
Deed Document Number	2021145869
Deed Book / Page	82 / 297
Prior Transfer Date	Jul 11, 2019
Prior Transfer Doc	0MIS50/174
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY SD
Recording Date	Jul 22, 2021
Property Address	45497 RIVER DR, MECKLING, SD 57069-4439
Document Number	000D82/297
Book / Page	D82 / 297
Instrument Date	Jul 22, 2021
Instrument	145869
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45497 RIVER DR, MECKLING, SD 57069-4439

Mortgage

Document Number	0000145870
Date	Jul 22, 2021
Instrument	145870

Lender

Name	MADISON COUNTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2019: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY SD
Recording Date	Jul 15, 2019
Property Address	45497 RIVER DR, MECKLING, SD 57069-4439
Document Number	0MIS50/174
Book / Page	MIS50 / 174
Instrument Date	Jul 11, 2019
Instrument	141139
Transaction Type	Transfer
Record Updated	Nov 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48023 RIVERSIDE PL, SIOUX FALLS, SD 57108-8209

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	$6,158.00 (+17.5%)	$468,751 (+32.72%) Land $86,229 Building $382,522
2023	$5,241.00 (+13.61%)	$353,177 Land $54,890 Building $298,287
2022	$4,613.00

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 53% of the US · above 42% of South Dakota
Wildfire Likelihood	0.1% 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 9 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

Nearby Properties on River Dr

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