491 E Sawgrass Trl, Dakota Dunes (North Sioux City), SD 57049 Property Records

Union County property record for 491 E Sawgrass Trl, Dakota Dunes, SD 57049

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,133 sqft · built 1997
Lot Size	0.292 acres (12,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (May 2012)
Tax Bill	$6,294 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23.GC.02.1011`

Property Details

APN / Parcel Number

Primary APN	`23.GC.02.1011`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,133 sqft Living Area
Basement Area	2,108 sqft
Flooring	Brick
Interior Walls	Brick
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	12,720 sqft (0.292 acres)
Garage Type	Attached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Covered Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	491 E SAWGRASS TRL
City	NORTH SIOUX CITY
State	SD
Zip	57049-5269
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 OF DAK DUNES GOLF COURSE 2ND ADD .292A
Legal Subdivision	GOLF COURSE 2ND ADD
Legal Lot Number	11
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	BIG SIOUX
Census Block Group	2
Census Block	2017
Census Tract	20301

Owner

Source: Union County records, as of October 20, 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	491 E SAWGRASS TRL, NORTH SIOUX CITY, SD 57049-5269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMEBANK
Mar 12, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Nov 6, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2012 · Amount on Record
Deed Sale	May 15, 2012 · Amount on Record
Deed Document Number	20122350
Deed Book / Page	102 / 237
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	491 E SAWGRASS TRL, DAKOTA DUNES, SD 57049-5269
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000178/387
Date	Apr 15, 2021
Book Page	178/387
Instrument	211809

Lender

Name	PRIMEBANK
Type	Bank
Address	SIOUX CITY, IA 51104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	491 E SAWGRASS TRL, DAKOTA DUNES, SD 57049-5269
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000186/157
Date	Mar 12, 2025
Book Page	186/157
Instrument	250513

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	24 EXECUTIVE PARK STE 250, IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2055

Interest

Change Frequency	Monthly

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION SD
Recording Date	Nov 6, 2025
Property Address	491 E SAWGRASS TRL, DAKOTA DUNES, SD 57049-5269
Document Number	000115/679
Book / Page	115 / 679
Instrument Date	Nov 5, 2025
Instrument	252596
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	491 E SAWGRASS TRL, DAKOTA DUNES, SD 57049-5269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	491 E SAWGRASS TRL, DAKOTA DUNES, SD 57049-5269

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	Big Sioux Township
Unified School District	Dakota Valley School District 61-8 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,294.00	$399,128 (-) Land $60,288 Building $338,840
2025	$6,294.00 (+1.16%)	$399,128 (-) Land $60,288 Building $338,840
2024	$6,222.00 (-0.62%)
2023	$6,261.00 (+11.8%)	$399,128 Land $60,288 Building $338,840
2022	$5,600.00

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
Flood Insurance Cost	Premium on Record median of 124 policies
Nearby Flood Policies	124 in force
Nearby Flood Claims	33 (2011–2024)
Claims Outside the SFHA	25 of 33
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 2 claims Flooding, Jul 2011 · 26 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	Moderate above 51% of the US · lower than 60% of South Dakota
Wildfire Likelihood	0.2% 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	DAKOTA DUNES CID serves 3,700 people · EPA ID SD4602093
Water Source	Purchased groundwater influenced by surface water from SIOUX CITY WATER SUPPLY
Last State Inspection	Apr 2024
Lead	4 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 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable	1,500 / 50
ImOn Communications Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50

May also be available: Nextlink, Verizon.

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