48072 325th St, Elk Point, SD 57025 Property Records

Union County property record for 48072 325th St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 1,288 sqft · built 1941
Lot Size	19.5 acres (853,340 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Aug 2013)
Tax Bill	$3,401 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`15.00.23.2020`

Property Details

APN / Parcel Number

Primary APN	`15.00.23.2020`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
Basement Area	872 sqft
Finished Basement	872 sqft
Unfinished Basement	872 sqft
Interior Walls	Wood

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	853,340 sqft (19.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	48072 325TH ST
City	ELK POINT
State	SD
Zip	57025-6732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LYLE TR 1 SW1/4SE1/4 (19.59A)
Legal Range	49W
Legal Township	91N
Legal Section	23
Legal Tract	1
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	1
Census Block	1145
Census Tract	20200

Owner

48072 325th St is owned and occupied by an individual who bought it in August 2013.

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

Owner of Record	Individual Name on File
Mailing Address	48072 325TH ST, ELK POINT, SD 57025-6732
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
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY NATIONAL BANK
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit LIBERTY NATIONAL BANK
Aug 23, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2013 · Amount on File
Deed Sale	Aug 6, 2013 · Amount on File
Deed Document Number	20133836
Deed Book / Page	103 / 464
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	48072 325TH ST, ELK POINT, SD 57025-6732
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00176/1407
Date	Dec 7, 2020
Book Page	176/1407
Instrument	205890

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank
Address	SIOUX CITY, IA 51106

Agreement

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

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	48072 325TH ST, ELK POINT, SD 57025-6732
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000182/406
Date	Aug 1, 2023
Book Page	182/406
Instrument	231742

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank
Address	NORTH SIOUX CITY, SD 57049

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION SD
Recording Date	Aug 23, 2023
Property Address	48072 325TH ST, ELK POINT, SD 57025-6732
Document Number	000113/477
Book / Page	113 / 477
Instrument Date	Aug 11, 2023
Instrument	231903
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48072 325TH ST, ELK POINT, SD 57025-6732

Tax Assessment & Valuation

The 2026 property tax bill for 48072 325th St was $3,401.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$3,401.00	$306,379 (-) Land $146,200 Building $160,179
2025	$3,401.00 (-4.71%)	$306,379 Land $146,200 Building $160,179
2024	$3,569.00 (+15.61%)
2023	$3,087.00 (+23.63%)	$268,609 Land $104,424 Building $164,185
2022	$2,497.00

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

Flood

FEMA maps place 48072 325th St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 48072 325th St is moderate, ranking above 51% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 60% of South Dakota
Wildfire Likelihood	0.06% 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.

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