47698 328th St, Elk Point, SD 57025 Property Records

Union County property record for 47698 328th St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,656 sqft · built 2008
Lot Size	2.21 acres (96,268 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2018)
Tax Bill	$2,237 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14.00.46.4010`

Property Details

APN / Parcel Number

Primary APN	`14.00.46.4010`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,656 sqft Living Area
Basement Area	1,619 sqft
Interior Walls	Wood

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	96,268 sqft (2.21 acres)
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	47698 328TH ST
City	ELK POINT
State	SD
Zip	57025-6810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E350' OF S350' OF SE1/4 LESS LOT H-1 LESS ROW (2.21A)
Legal Range	49W
Legal Township	90N
Legal Section	06
Legal Lot Number	H-1
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	CIVIL BEND
Census Block Group	1
Census Block	1012
Census Tract	20302

Owner

Source: Union 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	47698 328TH ST, ELK POINT, SD 57025-6810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2021	Deed of Trust, Mortgage · VA Mortgage LUMINATE HOME LOANS INC
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Sep 24, 2018	Warranty Deed, Transfer · VA Mortgage LIBERTY NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2018 · Amount on Record
Deed Sale	Sep 24, 2018 · Amount on Record
Deed Document Number	20184039
Deed Book / Page	108 / 624
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	47698 328TH ST, ELK POINT, SD 57025-6810
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	178/894
Date	Aug 17, 2021
Book Page	178/894
Instrument	213836

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55439

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	47698 328TH ST, ELK POINT, SD 57025-6810
Transaction Type	Mortgage
Record Updated	Oct 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	174/0739
Date	Sep 18, 2019
Book Page	174/0739
Instrument	193868

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Sep 24, 2018
Property Address	47698 328TH ST, ELK POINT, SD 57025-6810
Document Number	00108/0624
Book / Page	108 / 0624
Map Reference	MB 1 PG 112
Instrument Date	Sep 12, 2018
Instrument	184039
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	612 STAGE COACH RD, 612, SOUTH SIOUX CITY, NE 68776-3341

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 S PEARL ST, ELK POINT, SD 57025-2174

Mortgage

Document Number	0000184040
Date	Sep 24, 2018
Instrument	184040

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,237.00 (-19.53%)	$407,251 (+12.1%) Land $53,798 Building $353,453
2024	$2,780.00 (+12.78%)
2023	$2,465.00 (-30.95%)	$363,303 Land $38,427 Building $324,876
2022	$3,570.00

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (2014–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2014 · 2 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

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

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 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 RWS/SOUTH UNION private · serves 1,447 people · EPA ID SD4602185
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2025) 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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