Union County property record for 638 Lakeshore Dr, McCook Lake, SD 57049
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1,393 sqft · built 2012 |
| Lot Size | 0.284 acres (12,371 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,450 (2026) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.20.10.1065 |
| Primary APN | 05.20.10.1065 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 1,393 sqft Living Area |
| Flooring | Stone |
| Interior Walls | Stone |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 12,371 sqft (0.284 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 638 LAKESHORE DR |
|---|---|
| City | NORTH SIOUX CITY |
| State | SD |
| Zip | 57049-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 OF PREV PLTD TR 21 OF PREV PLTD BLK 1 GOVT LOT 4 BRUNEAU PLT & ACCR THERETO SW1/4 (.284A) |
| Legal Tract | 21 |
| Legal Block | 1 |
| Legal Lot Number | 9,4 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | NORTH SIOUX CITY |
| Census Block Group | 3 |
| Census Block | 3069 |
| Census Tract | 20302 |
Source: Union 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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1010, NORTH SIOUX CITY, SD 57049-1010 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 638 LAKESHORE DR, MCCOOK LAKE, SD 57049-4007 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000176/533 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 176/533 |
| Instrument | 202308 |
| Name | THE SECURITY NATIONAL BANK OF SIOUX CITY |
|---|---|
| Type | Bank |
| Address | SIOUX CITY, IA 51101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2035 |
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | North Sioux City |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $5,450.00 | $365,380 (-) Land $36,508 Building $328,872 |
| 2025 | $5,450.00 (+0.76%) | $365,380 (-) Land $36,508 Building $328,872 |
| 2024 | $5,409.00 (-1.06%) | |
| 2023 | $5,467.00 (+11.66%) | $365,380 Land $36,508 Building $328,872 |
| 2022 | $4,896.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective May 31, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 2 (2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2024 · Severe Storms, Straight-line Winds, And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% 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 | NORTH SIOUX CITY serves 3,042 people · EPA ID SD4600226 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | 4 ppb (2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Metro Cable | 1,500 / 50 |
| Sparklight Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: ImOn Communications.
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