Lawrence County property record for 640 University St, Spearfish, SD 57783
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,531 sqft · built 1938 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,898 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 32660-01400-160-00 |
| Primary APN | 32660-01400-160-00 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 1,531 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 456 sqft |
| Unfinished Basement | 456 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Area | 456 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | R20204 |
|---|---|
| Street Address | 640 UNIVERSITY ST |
| City | SPEARFISH |
| State | SD |
| Zip | 57783-1923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHAR ADDITION LOT 16 BLK 14 PLAT BK1 PG208 |
| Legal Subdivision | SCHAR ADDITION |
| Legal Block | 14 |
| Legal Lot Number | 16 |
| Jurisdiction | LAWRENCE SD |
| Township / Civil Division | SPEARFISH |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 966303 |
640 University St, a single family home, is owned by two individuals.
Source: Lawrence County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 172 BELLA ROSE DR, SPEARFISH, SD 57783-6376 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 640 University St was $3,898, down 1.6% from the year before.
Source: Lawrence County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Lawrence County |
| Municipality | Spearfish City |
| Unified School District | Spearfish School District 40-2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $292,450 (-1.94%) Land $70,000 Building $222,450 | ||
| 2025 | $3,898.00 (-1.57%) | $298,240 Land $63,000 Building $235,240 | |
| 2024 | $3,960.00 | ||
| 2023 | $205,110 Land $38,500 Building $166,610 | ||
| 2022 | $2,311.00 | $177,360 Land $35,000 Building $142,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 University St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective April 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 8 in force |
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.
Wildfire risk around 640 University St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 | SPEARFISH serves 13,803 people · EPA ID SD4600311 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 3 ppb (2024) 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 311 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 250 |
| Bluepeak Cable · Fiber in parts of the area | 1,000 / 30 |
| Wisp West Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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