McCook County property record for 616 Main St, Spencer, SD 57374
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1918 |
| Lot Size | 0.97 acres (42,253 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $258 (2026) |
| Flood Zone | Zone A (high risk) |
| APN | 20.04.2202 |
| Primary APN | 20.04.2202 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| Gross Area | 1,320 sqft |
| 1st Floor Area | 720 sqft |
| Basement Area | 600 sqft |
| Unfinished Basement | 600 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Exterior Material | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 42,253 sqft (0.97 acres) |
| Lot Dimensions | 142 ft deep x 300 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 616 MAIN ST |
|---|---|
| City | SPENCER |
| State | SD |
| Zip | 57374-2103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 & 3 BLK 22 NORTH ADD & LOTS 1, 4, 5 &6 PEAVEY'S NORH ADD |
| Legal Subdivision | NORTH ADD |
| Legal Block | 22 |
| Legal Lot Number | 2-3,1,4 |
| Jurisdiction | MCCOOK SD |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2199 |
| Census Tract | 964600 |
Source: McCook 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 | 616 MAIN ST, SPENCER, SD 57374-2103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
Source: McCook County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | McCook County |
| Municipality | Spencer City |
| Unified School District | McCook Central School District 43-7 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $258.00 (-76.35%) | $60,600 (+70.22%) Land $3,600 Building $57,000 | $60,600 (+70.22%) Land $3,600 Building $57,000 |
| 2023 | $35,600 Land $3,000 Building $32,600 | $35,600 Land $3,000 Building $32,600 | |
| 2022 | $1,091.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1997) |
| Most Recent Claim | Mar 1997 · Severe Flooding, Sever Winter Storms,heavy Rains High Winds |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 93% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.02% 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 | SPENCER serves 170 people · EPA ID SD4600407 |
|---|---|
| Water Source | Purchased surface water from HANSON RURAL WATER SYSTEM |
| Last State Inspection | Jan 2025 |
| Lead | 3 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | No certified operator Aug 2016 |
| 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 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TrioTel Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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