Clay County property record for 511 Sterling St, Vermillion, SD 57069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,321 sqft · built 1992 |
| Lot Size | 0.235 acres (10,216 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,476 (2025) |
| Deeds & Mortgages | Jul 2021 Reverse Mortgage May 2019 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15260-01100-170-00 |
| Primary APN | 15260-01100-170-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,321 sqft Living Area |
| Gross Area | 2,828 sqft |
| 1st Floor Area | 1,542 sqft |
| Basement Area | 1,286 sqft |
| Finished Basement | 779 sqft |
| Unfinished Basement | 1,286 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Block |
| Roof Material | Composition Shingle |
| Lot Area | 10,216 sqft (0.235 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 511 STERLING ST |
|---|---|
| City | VERMILLION |
| State | SD |
| Zip | 57069-3455 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 BLK 11 EASTGATE MANOR 3RD |
| Legal Subdivision | EASTGATE MANOR NO 3 |
| Legal Block | 11 |
| Legal Lot Number | 17 |
| Jurisdiction | CLAY SD |
| Township / Civil Division | VERMILLION |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 965700 |
511 Sterling St is owned and occupied by two individuals.
Source: Clay County records, as of April 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 511 STERLING ST, VERMILLION, SD 57069-3455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| May 21, 2019 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 511 STERLING ST, VERMILLION, SD 57069-3455 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|---|
| Address | 511 STELLING ST, VERMILLION, SD 57069 |
| Document Number | MT145/225 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | MT145/225 |
| Instrument | 145913 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 816 Months |
| Due | Jul 15, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1.47% |
| Type Change Date | Aug 1, 2021 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY SD |
| Property Address | 511 STERLING ST, VERMILLION, SD 57069-3455 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2019 |
| Name | Verified Name |
|---|
| Document Number | MT141/947 |
|---|---|
| Date | May 21, 2019 |
| Book Page | MT141/947 |
| Instrument | 140771 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | ORANGE, CA 92868 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 842 Months |
| Due | Jul 15, 2089 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.61% |
| Type Change Date | May 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
The 2025 property tax bill for 511 Sterling St was $6,476.
Source: Clay County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Clay County |
| Municipality | Vermillion City |
| Unified School District | Vermillion School District 13-1 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $6,476.00 | $360,462 Land $20,330 Building $340,132 |
| 2023 | $5,782.00 (+9.59%) | $276,608 Land $17,674 Building $258,934 |
| 2022 | $5,276.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 511 Sterling St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 29, 2020 · 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 | 1 in force |
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 risk around 511 Sterling 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 98% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VERMILLION serves 11,695 people · EPA ID SD4600342 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 1 ppb (2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| Midco Cable | 1,250 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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