47659 320th St, Elk Point, SD 57025 Property Records

Union County property record for 47659 320th St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,082 sqft · built 2018
Lot Size	7.12 acres (310,278 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,840 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22.00.31.1020`

Property Details

APN / Parcel Number

Primary APN	`22.00.31.1020`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	2,082 sqft Living Area
Basement Area	1,946 sqft
Interior Walls	Wood

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Aluminum/Vinyl
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	310,278 sqft (7.12 acres)
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	47659 320TH ST
City	ELK POINT
State	SD
Zip	57025-6651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLDEN TR 1 IN GOV'T LOT 1 OF THE NW1/4 & IN THE W1/2NE1/4 (7.123A)
Legal Range	49W
Legal Township	92N
Legal Section	31
Legal Subdivision	HOLDEN TRACT 1
Legal Tract	1
Legal Lot Number	1
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	RICHLAND
Census Block Group	1
Census Block	1074
Census Tract	20200

Owner

47659 320th St is owned and occupied by two individuals.

Source: Union County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	47659 320TH ST, ELK POINT, SD 57025-6651
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Jan 7, 2019	Deed of Trust, Mortgage · ARM FIRST DAKOTA NATIONAL BANK
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Feb 18, 2022	Deed of Trust, Mortgage · Line of Credit FIRST DAKOTA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	47659 320TH ST, ELK POINT, SD 57025-6651
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00170/0617
Date	Aug 16, 2017
Book Page	170/0617
Instrument	173184

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	BERESFORD, SD 57004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	6 Months
Due	Feb 16, 2018

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	47659 320TH ST, ELK POINT, SD 57025-6651
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00174/0022
Date	Jan 7, 2019
Book Page	174/0022
Instrument	190101

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	BERESFORD, SD 57004

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.6%
Type Change Date	Feb 1, 2024
Change Frequency	5 Years
Min Rate At Change	3.6%
Max Rate At Change	7.6%
Index	5-Year CMT
Max Rate	11.6%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	47659 320TH ST, ELK POINT, SD 57025-6651
Transaction Type	Mortgage
Record Updated	Mar 12, 2024
Title Company	FIRST DAKOTA TITLE LLC, FIRST DAKOTA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00178/1039
Date	Oct 8, 2021
Book Page	178/1039
Instrument	214327

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57110

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	47659 320TH ST, ELK POINT, SD 57025-6651
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47659 320TH ST, ELK POINT, SD 57025-6651

Mortgage

Document Number	000180/143
Date	Feb 18, 2022
Book Page	180/143
Instrument	220520

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57110

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 47659 320th St was $2,840, up % from the year before.

Source: Union County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Unified School District	Elk Point-Jefferson School District 61-7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$2,840.00 (+0.04%)	$250,940 (-) Land $58,447 Building $192,493
2025	$2,839.00 (+11.16%)	$250,940 Land $58,447 Building $192,493
2024	$2,554.00 (+10.42%)
2023	$2,313.00 (+10.3%)	$196,949 Land $41,747 Building $155,202
2022	$2,097.00

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

Flood

FEMA maps place 47659 320th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	12 (2011–2024)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 3 claims Severe Storms, Tornadoes, And Flooding, Jun 2014 · 4 claims

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

Wildfire risk around 47659 320th St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 85% of South Dakota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Long Lines Metro Fiber	1,000 / 1,000
Midco Fixed Wireless	100 / 20

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