45992 Timber Rd, Vermillion, SD 57069 Property Records

Clay County property record for 45992 Timber Rd, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,909 sqft · built 1928
Lot Size	2.69 acres (117,176 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,176 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10000-09252-171-00`

Property Details

APN / Parcel Number

Primary APN	`10000-09252-171-00`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,909 sqft Living Area
Gross Area	2,802 sqft
1st Floor Area	1,472 sqft
Basement Area	665 sqft
Unfinished Basement	665 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1970
Exterior Material	Marblecrete
Construction Type	Metal Frame
Roof Material	Composition Shingle
Lot Area	117,176 sqft (2.69 acres)
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Granary	500 sqft
Lean-To	180 sqft
Utility Building	1,000 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45992 TIMBER RD
City	VERMILLION
State	SD
Zip	57069-6972
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MELBY TRACT 1 IN E 1/2 NE 1/4 17-92-52 NORWAY TWP
Legal Subdivision	MELBY TRACT 1
Legal Tract	1
Jurisdiction	CLAY SD
Township / Civil Division	NORWAY
Census Block Group	3
Census Block	3208
Census Tract	965800

Owner

Source: Clay County records · APN 10000-09252-171-00

Assessment roll updated September 9, 2025 · Last verified April 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 File
Mailing Address	45992 TIMBER RD, VERMILLION, SD 57069-6972
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	45992 TIMBER RD, VERMILLION, SD 57069-6972
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0MT144/381
Date	Feb 02, 2021
Book Page	MT144/381
Instrument	144601

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	BROOKINGS, SD 57006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2036

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 9, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value
2025	$4,176.00 (+19.04%)	$282,776 (+39.08%) Land $62,675 Building $220,101
2024	$3,508.00 (+1.15%)
2023	$3,468.00 (+11.69%)	$203,314 Land $32,529 Building $170,785
2022	$3,105.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of December 29, 2020 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 98% of South Dakota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Santel Communications Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 8 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLAY RURAL WATER SYSTEM private · serves 4,780 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.