45952 Timber Rd, Vermillion, SD 57069 Property Records

Clay County property record for 45952 Timber Rd, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1996
Lot Size	2.09 acres (91,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (Nov 2023)
Tax Bill	$4,618 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10000-09252-170-30`

Property Details

APN / Parcel Number

Primary APN	`10000-09252-170-30`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,584 sqft Living Area
Gross Area	2,816 sqft
1st Floor Area	1,584 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Block
Roof Material	Composition Shingle
Lot Area	91,040 sqft (2.09 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45952 TIMBER RD
City	VERMILLION
State	SD
Zip	57069-6972
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1 W 1/2 NE 1/4 & TRACT 2 W 1/2 OF GOV LOT 3 17 -92-52 NORWAY TWP
Legal Subdivision	SEC 17, TWP 92N, RNG 52 WEST OF 5TH PM
Legal Tract	1
Legal Lot Number	3
Jurisdiction	CLAY SD
Township / Civil Division	NORWAY
Census Block Group	3
Census Block	3208
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	2 Individual Names on Record
Mailing Address	45952 TIMBER RD, VERMILLION, SD 57069-6972
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED MORTGAGE LENDING LLC
Nov 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Transfer Date	Feb 15, 2008
Prior Transfer Doc	000075/456
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45952 TIMBER RD, VERMILLION, SD 57069-6972
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45952 TIMBER RD, VERMILLION, SD 57069-6972

Mortgage

Document Number	0MT149/421
Date	Dec 22, 2025
Book Page	MT149/421
Instrument	A20251653

Lender

Name	UNITED MORTGAGE LENDING LLC
Type	Mortgage Company
Address	999 W BIG BEAVER RD # 33, TROY, MI 48084

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45952 TIMBER RD, VERMILLION, SD 57069-6972
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	335 N NORBECK ST 131, 131, VERMILLION, SD 57069-2860

Mortgage

Document Number	0MT147/677
Date	Nov 17, 2023
Book Page	MT147/677
Instrument	14700677

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

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	Vermillion School District 13-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,618.00 (+30.34%)	$314,231 (+49.31%) Land $58,175 Building $256,056
2023	$3,543.00 (+10.51%)	$210,459 Land $5,419 Building $205,040
2022	$3,206.00

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	Low lower than 94% of the US · lower than 91% of South Dakota
Wildfire Likelihood	0.02% 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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