Codington County property record for 538 S Lake Dr, Watertown, SD 57201
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.303 acres (13,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $227,500 (Apr 2016) |
| Tax Bill | $4,369 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 005409 |
| Primary APN | 005409 |
|---|
| Lot Area | 13,200 sqft (0.303 acres) |
|---|---|
| Lot Dimensions | 131 ft deep x 100 ft wide |
| Street Address | 538 S LAKE DR |
|---|---|
| City | WATERTOWN |
| State | SD |
| Zip | 57201-5434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12 & E40' LOT 13 TOGETHER WITH VAC PUBLIC ACCESS/ALLEY LYING BETWEEN LOTS 12-13 BLK 1 ARENDS PARK ADD |
| Legal Subdivision | ARENDS PARK ADD |
| Legal Block | 1 |
| Legal Lot Number | 12-13 |
| Jurisdiction | CODINGTON SD |
| Township / Civil Division | WATERTOWN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 954502 |
538 S Lake Dr is owned by two individuals who bought it in April 2016.
Source: Codington County records, as of August 18, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 836 POMPESKA DR, WATERTOWN, SD 57201-5463 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2016 · Amount on File |
| Deed Sale | Apr 7, 2016 · Amount on File |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 538 S Lake Dr was $4,369.
Source: Codington County assessment roll, as of June 2, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Codington County |
| Municipality | Watertown City |
| Unified School District | Watertown School District 14-4 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $4,369.00 | $322,068 (-) Land $318,847 Building $3,221 |
| 2025 | $4,369.00 (+0.55%) | $322,068 Land $318,847 Building $3,221 |
| 2024 | $4,345.00 | |
| 2023 | $268,390 Land $265,706 Building $2,684 | |
| 2022 | $3,892.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 538 S Lake Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 4, 2024 · 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 | No |
| Base Flood Elevation | 1,725.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 119 individual policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 124 units insured incl. 5 condo units |
| Nearby Flood Claims | 358 (1979–2023) |
| Claims Outside the SFHA | 177 of 358 |
| Most Recent Claim | Apr 2023 · Flooding |
| Claims by Event |
|
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 538 S Lake Dr is low, with less than 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 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.
Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber · Cable | 5,000 / 5,000 |
| Midco Cable · Fixed Wireless in parts of the area | 1,250 / 60 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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