545 N 3rd St, Spearfish, SD 57783 Property Records

Lawrence County property record for 545 N 3rd St, Spearfish, SD 57783

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,212 sqft · built 1951
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,517 (2025)
Flood Zone	Zone X (moderate risk)
APN	`32090-04500-010-00`

Property Details

APN / Parcel Number

Primary APN	`32090-04500-010-00`
Alternative APN	`R16411`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Building Area	1,212 sqft Living Area
1st Floor Area	1,212 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Location & Zoning

Account Number	R16411
Street Address	545 N 3RD ST
City	SPEARFISH
State	SD
Zip	57783-1932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN SPEARFISH LOT 1 BLK 45
Legal Subdivision	ORIGINAL TOWN SPEARFISH
Legal Block	45
Legal Lot Number	1
Jurisdiction	LAWRENCE SD
Township / Civil Division	SPEARFISH
Census Block Group	3
Census Block	3023
Census Tract	966200

Owner

Source: Lawrence County records · APN 32090-04500-010-00

Assessment roll updated September 2, 2025 · Last verified June 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 File
Mailing Address	545 N 3RD ST, SPEARFISH, SD 57783-1932
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Lawrence County records · Assessment roll updated September 2, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Lawrence County
Municipality	Spearfish City
Unified School District	Spearfish School District 40-2 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,517.00 (-2.4%)	$241,690 (+47.49%) Land $70,000 Building $171,690
2024	$2,579.00 (+20.68%)
2023			$206,920 Land $45,500 Building $161,420
2022	$2,137.00	$163,870 Land $42,000 Building $121,870

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lawrence County (46081C), updated April 29, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 460819662003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1992–1995)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jun 1995 · Flooding

Wildfire

Wildfire Risk	Low lower than 63% of the US · lower than 75% of South Dakota
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 181 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midcontinent Communications Cable	1,250 / 250
Clarity Telecom Cable · Fiber in parts of the area	1,000 / 30
BHT Investment Holdings Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	SPEARFISH serves 13,803 people
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	3 ppb (2024) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.