Union County property record for 65 Northshore Dr, McCook Lake, SD 57049 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,520 sqft · built 1981 |
| Lot Size | 0.303 acres (13,179 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $383,000 (May 2017) |
| Tax Bill | $3,464 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Dec 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.13.04.1015 |
| Primary APN | 05.13.04.1015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,520 sqft Living Area |
| Basement Area | 1,250 sqft |
| Finished Basement | 1,250 sqft |
| Flooring | Brick |
| Interior Walls | Brick |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Material | Wood Shingle |
| Lot Area | 13,179 sqft (0.303 acres) |
| Lot Dimensions | 179 ft deep x 73.5 ft wide |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 65 NORTHSHORE DR |
|---|---|
| City | MCCOOK LAKE |
| State | SD |
| Zip | 57049-4013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 65 LIBBY GOV'T LOT 3 N SIOUX CITY |
| Legal Subdivision | LIBBY ADDITION |
| Legal Block | B |
| Legal Lot Number | 3 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | NORTH SIOUX CITY |
| Census Block Group | 3 |
| Census Block | 3064 |
| Census Tract | 20302 |
Source: Union County records · APN 05.13.04.1015
Assessment roll updated October 6, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Dec 10, 2018 | Deed of Trust, Mortgage · ARM CENTRAL BANK |
| Oct 11, 2024 | Deed of Trust, Mortgage · SBA Mortgage US SMALL BUSINESS ADMINISTRATION, A GOVE |
| Feb 02, 2022 | Intrafamily Transfer, Transfer |
| May 09, 2017 | Warranty Deed, Transfer · Reverse Mortgage CENTRAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 09, 2017 · Amount on Record |
| Deed Sale | May 09, 2017 · Amount on Record |
| Deed Document Number | 20171724 |
| Deed Book / Page | 107 / 222 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 65 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00176/1161 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 176/1161 |
| Instrument | 204976 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 65 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00172/0942 |
|---|---|
| Date | Dec 10, 2018 |
| Book Page | 172/0942 |
| Instrument | 185207 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jan 01, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 65 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 65 NORTHSHORE DR, NORTH SIOUX CITY, SD 57049-4013 |
| Document Number | 000184/583 |
|---|---|
| Date | Oct 11, 2024 |
| Book Page | 184/583 |
| Instrument | 242138 |
| Name | US SMALL BUSINESS ADMINISTRATION, A GOVE |
|---|---|
| Type | Private Party |
| Address | 1545 HAWKINS BLVD STE 202, EL PASO, TX 79925 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Sep 11, 2039 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Feb 02, 2022 |
| Property Address | 65 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Document Number | 0000112/73 |
| Book / Page | 112 / 73 |
| Instrument Date | Feb 02, 2022 |
| Instrument | 220334 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | May 09, 2017 |
| Property Address | 65 NORTHSHORE DR, MCCOOK LAKE, SD 57049-4013 |
| Document Number | 00107/0222 |
| Book / Page | 107 / 0222 |
| Instrument Date | Apr 18, 2017 |
| Instrument | 171724 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 142 WESTWOOD LN, NORTH SIOUX CITY, SD 57049-4037 |
| Document Number | 0000171725 |
|---|---|
| Date | May 09, 2017 |
| Instrument | 171725 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.25% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 10.2% |
Source: Union County records · Assessment roll updated October 6, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| Municipality | North Sioux City |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,464.00 (-32.92%) | $232,251 (-48.15%) Land $14,789 Building $217,462 |
| 2024 | $5,164.00 (-22.95%) | |
| 2023 | $6,702.00 (+11.64%) | $447,924 Land $147,908 Building $300,016 |
| 2022 | $6,003.00 |
Source: FEMA National Flood Hazard Layer, Union County (46127C), updated May 31, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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