626 Cottage Ave, Vermillion, SD 57069 Property Records

Clay County property record for 626 Cottage Ave, Vermillion, SD 57069

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 1925
Lot Size	0.367 acres (15,975 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jun 2022)
Tax Bill	$2,816 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15730-08500-010-00`

Property Details

APN / Parcel Number

Primary APN	`15730-08500-010-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,862 sqft
1st Floor Area	962 sqft
Basement Area	950 sqft
Unfinished Basement	950 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Marblecrete
Construction Type	Metal Frame
Roof Material	Composition Shingle
Lot Area	15,975 sqft (0.367 acres)
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	170 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	626 COTTAGE AVE
City	VERMILLION
State	SD
Zip	57069-2122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 150' OF LOT 1 & E 150' OF N 1/2 OF LOT 2 EXC 20' OFF S SIDE OF E 150' OF N 1/2 OF LOT 2 EXC LOT H2 BLK 85 ADDN TO SNYDERS
Legal Subdivision	ADDITION TO SNYDERS
Legal Block	85
Legal Lot Number	1-2,H2
Jurisdiction	CLAY SD
Township / Civil Division	VERMILLION
Census Block Group	3
Census Block	3003
Census Tract	965900

Owner

626 Cottage Ave is owned by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	24698 MAGNOLIA RD, UNDERWOOD, IA 51576-3749
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage SECURITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on File
Deed Sale	Jun 1, 2022 · Amount on File
Prior Sale	Jun 1, 2022 · Amount on File
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY SD
Recording Date	Jun 1, 2022
Property Address	626 COTTAGE AVE, VERMILLION, SD 57069-2122
Document Number	000D82/803
Book / Page	D82 / 803
Instrument Date	May 27, 2022
Instrument	147818
Transaction Type	Transfer
Record Updated	Jul 18, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24698 MAGNOLIA RD, UNDERWOOD, IA 51576-3749

Mortgage

Document Number	0000147819
Date	Jun 1, 2022
Instrument	147819

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY SD
Property Address	626 COTTAGE AVE, VERMILLION, SD 57069-2122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT143/741
Date	Sep 16, 2020
Book Page	MT143/741
Instrument	143669

Lender

Name	SECURITY BANK
Type	Bank
Address	LAUREL, NE 68745

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 626 Cottage Ave was $2,816.

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	$2,816.00	$131,248 Land $40,257 Building $90,991
2023	$2,630.00 (+5.12%)	$104,655 Land $34,985 Building $69,670
2022	$2,502.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 626 Cottage Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 626 Cottage Ave 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.

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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