511 W Main St, Elk Point, SD 57025 Property Records

Union County property record for 511 W Main St, Elk Point, SD 57025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,046 sqft · built 2006
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$281,500 (Jul 2019)
Tax Bill	$6,057 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03.07.24.1009`

Property Details

APN / Parcel Number

Primary APN	`03.07.24.1009`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	2,046 sqft Living Area
Basement Area	2,932 sqft
Finished Basement	2,932 sqft
Interior Walls	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	1,840 sqft
Parking Spaces	7 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	511 W MAIN ST
City	ELK POINT
State	SD
Zip	57025-2205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DONNELLY TR 3 IN NE1/4NE1/4 (1.86A)
Legal Subdivision	DONNELLY TRACT 3
Legal Tract	3
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	ELK POINT
Census Block Group	2
Census Block	2004
Census Tract	20200

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	511 W MAIN ST, ELK POINT, SD 57025-2205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jul 29, 2019	Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Deed Document Number	20193056
Deed Book / Page	109 / 486
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	511 W MAIN ST, ELK POINT, SD 57025-2205
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 W MAIN ST, ELK POINT, SD 57025-2205

Mortgage

Document Number	178/753
Date	Jul 15, 2021
Book Page	178/753
Instrument	213384

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	511 W MAIN ST, ELK POINT, SD 57025-2205
Transaction Type	Mortgage
Record Updated	Jul 10, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	176/561
Date	Jun 3, 2020
Book Page	176/561
Instrument	202410

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	UNION SD
Recording Date	Jul 29, 2019
Property Address	511 W MAIN ST, ELK POINT, SD 57025-2205
Document Number	00109/0486
Book / Page	109 / 0486
Instrument Date	Jul 25, 2019
Instrument	193056
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	511 W MAIN ST, ELK POINT, SD 57025-2205

Mortgage

Document Number	0000193057
Date	Jul 29, 2019
Instrument	193057

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$6,057.00 (+0.02%)	$363,252 (-) Land $38,742 Building $324,510
2025	$6,056.00 (+7.57%)	$363,252 (+8.79%) Land $38,742 Building $324,510
2024	$5,630.00 (-2.51%)
2023	$5,775.00 (-3.62%)	$333,913 Land $38,742 Building $295,171
2022	$5,992.00

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 74% of South Dakota
Wildfire Likelihood	0.04% 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	ELK POINT serves 2,124 people · EPA ID SD4600116
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	CLAY RURAL WATER SYSTEM
Lead	2 ppb (2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Bluepeak.

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