607 Cottage Ave, Vermillion, SD 57069 Property Records

Clay County property record for 607 Cottage Ave, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,568 sqft · built 1925
Lot Size	0.161 acres (7,020 sqft)
Owner	Individual Name on Record
Last Sale	$168,000 (Sep 2021)
Tax Bill	$4,013 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15730-08700-000-00`

Property Details

APN / Parcel Number

Primary APN	`15730-08700-000-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,568 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	784 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1975
Exterior Material	Marblecrete
Construction Type	Metal Frame
Roof Material	Metal
Lot Area	7,020 sqft (0.161 acres)
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	607 COTTAGE AVE
City	VERMILLION
State	SD
Zip	57069-2204
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMM AT PT 264 S & 200 W OF NE COR BLK 87 THENC W 130 THENC S 54 THENC E 130
Legal Subdivision	SNYDERS ADDN
Legal Block	87
Jurisdiction	CLAY SD
Township / Civil Division	VERMILLION
Census Block Group	3
Census Block	3002
Census Tract	965900

Owner

Source: Clay County records, as of April 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	607 COTTAGE AVE, VERMILLION, SD 57069-2204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Mar 5, 2021	Warranty Deed, Transfer · Commercial Mortgage BANK OF DIXON COUNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2021 · Amount on Record
Deed Sale	Sep 9, 2021 · Amount on Record
Prior Sale	Mar 5, 2021 · Amount on Record
Deed Document Number	2021146183
Deed Book / Page	82 / 389
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY SD
Recording Date	Sep 9, 2021
Property Address	607 COTTAGE AVE, VERMILLION, SD 57069-2204
Document Number	D82/389
Book / Page	D82 / 389
Instrument Date	Sep 9, 2021
Instrument	146183
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	CLAY COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 COTTAGE AVE, VERMILLION, SD 57069-2204

Mortgage

Document Number	146184
Date	Sep 9, 2021
Instrument	146184

Lender

Name	FIRST DAKOTA NATIONAL BANK
Type	Bank

Agreement

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

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY SD
Recording Date	Mar 5, 2021
Property Address	607 COTTAGE AVE, VERMILLION, SD 57069-2204
Document Number	D82/38
Book / Page	D82 / 38
Instrument Date	Mar 1, 2021
Instrument	144826
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S CRAWFORD RD, VERMILLION, SD 57069-3428
Investor	Possibly a Property Investor

Mortgage

Document Number	144827
Date	Mar 5, 2021
Instrument	144827

Lender

Name	BANK OF DIXON COUNTY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Clay County
Municipality	Vermillion City
Unified School District	Vermillion School District 13-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,013.00 (+220.78%)	$223,241 (+278.45%) Land $14,180 Building $209,061
2023	$1,251.00 (-45.47%)	$58,989 Land $11,723 Building $47,266
2022	$2,294.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 29, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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.

Drinking Water

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

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber · Cable in parts of the area	5,000 / 5,000
Midco Cable	1,250 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: ICS Advanced Technologies, T-Mobile.

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