706 E Clay St, Elk Point, SD 57025 Property Records

Union County property record for 706 E Clay St, Elk Point, SD 57025 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1992
Square Footage	1,040 sqft Living Area
Lot Size	16,350 sqft (0.375 acres)
Occupancy	Owner Occupied
Last Sale	$255,750 (2022)
Tax Bill	$3,712.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`03.05.41.1015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,040 sqft Living Area
Basement Area	1,008 sqft Basement
Finished Basement	1,008 sqft Finished
Unfinished Basement	936 sqft Unfinished
Stories	1 Stories

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Wood Construction
Roof Material	Composition Shingle Roof
Lot Area	16,350 sqft (0.375 acres)
Depth X Width	218 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	672 sqft Garage
Porch	Covered Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Central Heating

Location & Zoning

Street Address	706 E CLAY ST
City	ELK POINT
State	SD
Zip	57025-2198
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT D OF RPLT OF BLK 40 & 41 LESS LOT 1 OF LOT D W&H ADD EP CITY
Legal Subdivision	W&H ADD
Legal Block	40-41
Legal Lot Number	D,D,1
Legal Unit	1
Jurisdiction	UNION SD
Minor Civil Division	ELK POINT
Census Blockgroup	3
Census Block	3026
Census Tract	20200

Owner

Source: Union County records · APN 03.05.41.1015

Assessment roll updated October 6, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST
Sep 26, 2005	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jul 23, 2025	Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 16, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANK & TRUST CO
May 26, 2015	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK & TRUST
Aug 14, 2012	Warranty Deed, Transfer · Conventional Mortgage PREMIER HOME MORTGAGE INC
Mar 07, 2006	Joint Tenancy Deed, Transfer · Stand Alone Second Mortgage COUNTRYWIDE BANK N A

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	May 26, 2015 · Amount on Record
Record Refreshed	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000176/509
Date	May 20, 2020
Book Page	176/509
Instrument	202204

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00176/1490
Date	Dec 29, 2020
Book Page	176/1490
Instrument	206275

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	BROOKINGS, SD 57006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 01, 2041

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00146/1148
Date	Sep 26, 2005
Book Page	146/1148
Instrument	054708

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2035

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jul 23, 2025
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Document Number	000115/431
Book / Page	115 / 431
Instrument Date	Jul 18, 2025
Instrument	251639
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 S 11TH ST, BERESFORD, SD 57004-2007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 E CLAY ST, ELK POINT, SD 57025-2198

Mortgage

Document Number	000186/459
Date	Jul 23, 2025
Book Page	186/459
Instrument	251640

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2055

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Jun 16, 2022
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Document Number	000112/389
Book / Page	112 / 389
Instrument Date	Jun 15, 2022
Instrument	221729
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	706 E CLAY ST, ELK POINT, SD 57025-2198

Mortgage

Document Number	0000180468
Date	Jun 16, 2022
Instrument	180/468

Lender

Name	AMERICAN BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

May 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	May 26, 2015
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Document Number	00105/0311
Book / Page	105 / 0311
Instrument Date	May 20, 2015
Instrument	152051
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 E CLAY ST, ELK POINT, SD 57025-2198

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	412 E CEDAR ST, VERMILLION, SD 57069-2703

Mortgage

Document Number	0000152052
Date	May 26, 2015
Instrument	152052

Lender

Name	FIRST BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2045

Mortgage

Document Number	00166/0400
Date	May 26, 2015
Book Page	166/0400
Instrument	152053

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	VERMILLION, SD 57069

Agreement

Type	Adjustable Rate Mortgage (ARM)
Amount	Amount Recorded
Term	121 Months
Due	Jun 01, 2025

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Jun 01, 2022
Change Frequency	Annually
Min Rate At Change	4.5%
Index	1-Year CMT
Max Rate	12.1%

August 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION SD
Recording Date	Aug 14, 2012
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Document Number	00102/0430
Book / Page	102 / 0430
Instrument Date	Aug 07, 2012
Instrument	123059
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 DHEADONT PL202, DAKOTA DUNES, SD 57049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 E CLAY ST, ELK POINT, SD 57025-2198

Mortgage

Document Number	0000123860
Date	Aug 14, 2012
Instrument	123860

Lender

Name	PREMIER HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2042

Interest

Type Change Date	Jul 01, 2017

March 2006: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	UNION SD
Recording Date	Mar 07, 2006
Property Address	706 E CLAY ST, ELK POINT, SD 57025-2198
Document Number	00096/0166
Book / Page	096 / 0166
Instrument Date	Feb 16, 2006
Instrument	061096
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	706 E CLAY ST, ELK POINT, SD 57025-2198

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000061098
Date	Mar 07, 2006
Instrument	061098

Lender

Name	COUNTRYWIDE BANK N A

Agreement

Type	Stand Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 01, 2021

Mortgage

Document Number	00148/0235
Date	Mar 07, 2006
Book Page	148/0235
Instrument	061097

Lender

Name	COUNTRYWIDE HOME LOAN
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2036

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated October 6, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
Municipality	Elk Point City
Unified School District	Elk Point-Jefferson School District 61-7 (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value
2025	$3,712.00 (+7.78%)	$222,776 (+8.99%) Land $20,355 Building $202,421
2024	$3,444.00 (-2.49%)
2023	$3,532.00 (+9.28%)	$204,392 Land $20,355 Building $184,037
2022	$3,232.00

706 E Clay St, Elk Point, SD 57025 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2005: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2015: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Interest

August 2012: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2006: Joint Tenancy Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

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