805 Spruce St, Yankton, SD 57078 Property Records

Yankton County property record for 805 Spruce St, Yankton, SD 57078

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 624 sqft · built 1948
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$156,000 (Jul 2026)
Tax Bill	$1,563 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`78.140.001.140`

Property Details

APN / Parcel Number

Primary APN	`78.140.001.140`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	624 sqft Living Area
Basement Area	624 sqft
Unfinished Basement	624 sqft
Flooring	Other

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	805 SPRUCE ST
City	YANKTON
State	SD
Zip	57078-3430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 14 & S2 LT 15 & W24.66 VAC SPRUCE ST ADJ TO LT 14 & S2 LT 15 BLK 1 W.N.COLLAMERS
Legal Subdivision	W.N. COLLAMER'S
Legal Block	1
Legal Lot Number	14,15
Jurisdiction	YANKTON SD
Township / Civil Division	YANKTON
Census Block Group	4
Census Block	4022
Census Tract	966302

Owner

Source: Yankton County records, as of October 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	805 SPRUCE ST, YANKTON, SD 57078-3430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage SOUTH DAKOTA HSNG DEV AUTHORIT
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST DAKOTA NATIONAL BANK
Nov 3, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 10, 2022	Warranty Deed, Transfer · Conventional Mortgage OPERATING ENGINEERS LOCAL UNION #3
Aug 25, 2021	Warranty Deed, Transfer · Line of Credit THE FALLS CITY NATIONAL BANK
Mar 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Aug 25, 2021 · Amount on Record
Deed Document Number	2026214455
Deed Book / Page	585 / 12
Prior Transfer Date	Jul 20, 2026
Prior Transfer Doc	0000214455
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Recording Date	Jul 28, 2026
Property Address	805 SPRUCE ST, YANKTON, SD 57078-3430
Document Number	0000214571
Book / Page	585 / 84
Instrument Date	Jul 20, 2026
Instrument	2026214571
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 SPRUCE ST, YANKTON, SD 57078-3430

Mortgage

Document Number	0000214571,
Date	Jul 28, 2026
Book Page	585/84
Instrument	2026214571

Lender

Name	SOUTH DAKOTA HSNG DEV AUTHORIT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.47%
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Jul 21, 2026
Property Address	805 SPRUCE ST, YANKTON, SD 57078-3430
Document Number	0000214455
Book / Page	585 / 12
Instrument Date	Jul 20, 2026
Instrument	2026214455
Transaction Type	Transfer
Record Updated	Aug 14, 2026
Title Company	YANKTON TITLE, YANKTON TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,756.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 SPRUCE ST, YANKTON, SD 57078-3430

Mortgage

Document Number	0000214456,
Date	Jul 21, 2026
Instrument	2026214456

Lender

Name	FIRST DAKOTA NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YANKTON SD
Property Address	805 SPRUCE ST, YANKTON, SD 57078-3430
Transaction Type	Mortgage
Record Updated	Nov 23, 2023
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000537/353
Date	Nov 3, 2017
Book Page	537/353

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2032

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Jun 10, 2022
Property Address	805 SPRUCE ST, YANKTON, SD 57078-3430
Document Number	000565/339
Book / Page	565 / 339
Map Reference	MB S PG 8
Instrument Date	Jun 8, 2022
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	NOT AVAILABLE, YANKTON TITLE COMPANY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11402 WHISPER GREEN ST, SAN ANTONIO, TX 78230-3508

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	649 E 400 NORTH ST, DUCHESNE, UT 84021

Mortgage

Document Number	0000565340
Date	Jun 10, 2022
Instrument	565/340

Lender

Name	OPERATING ENGINEERS LOCAL UNION #3
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.37%
Max Rate At Change	4.37%
Index	Other
Max Rate	8.37%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Aug 25, 2021
Property Address	805 SPRUCE ST, YANKTON, SD 57078-3430
Document Number	000560/496
Book / Page	560 / 496
Map Reference	MB S PG 8
Instrument Date	Aug 10, 2021
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	NOT AVAILABLE, YANKTON TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11402 WHISPER GREEN ST, SAN ANTONIO, TX 78230-3508

Mortgage

Document Number	0000560497
Date	Aug 25, 2021
Instrument	560/497

Lender

Name	THE FALLS CITY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YANKTON SD
Recording Date	Mar 1, 2021
Property Address	805 SPRUCE ST, YANKTON, SD 57078-3430
Document Number	0000557/78
Book / Page	557 / 78
Map Reference	MB S PG 8
Instrument Date	Feb 26, 2021
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	NOT AVAILABLE, YANKTON TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1802 SILVER ST, ASHLAND, NE 68003-1715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 SPRUCE ST, YANKTON, SD 57078-3430

Mortgage

Document Number	0000055779
Date	Mar 1, 2021
Instrument	557/79

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Yankton County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Yankton County
Municipality	Yankton City
Unified School District	Yankton School District 63-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,300 (-) Land $13,900 Building $82,400	$96,300 (+53.1%) Land $13,900 Building $82,400
2025	$1,563.00 (+14.51%)	$96,300 (+13.96%) Land $13,900 Building $82,400
2023		$84,500 Land $13,900 Building $70,600
2022	$1,365.00
2021			$62,900 Land $13,900 Building $49,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 13, 2025 · 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
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 85% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	YANKTON serves 15,411 people · EPA ID SD4600423
Water Source	Groundwater
Last State Inspection	Aug 2023
Also Mapped Here	BY WATER DISTRICT
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jan 2020
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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber · Cable	5,000 / 5,000
Midco Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: South Dakota Wireless Internet.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures