Union County property record for 809 Lakeshore Dr, McCook Lake, SD 57049
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.798 acres (34,743 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,349 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 05.38.15.1014 |
| Primary APN | 05.38.15.1014 |
|---|
| Lot Area | 34,743 sqft (0.798 acres) |
|---|
| Street Address | 809 LAKESHORE DR |
|---|---|
| City | NORTH SIOUX CITY |
| State | SD |
| Zip | 57049-4138 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | LOT 14 LAKESHORE ESTATES 3RD ADD NORTH SIOUX CITY (.7976A) |
| Legal Subdivision | LAKESHORE ESTATES 3RD ADD |
| Legal Lot Number | 14 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | NORTH SIOUX CITY |
| Census Block Group | 3 |
| Census Block | 3068 |
| Census Tract | 20302 |
809 Lakeshore Dr, vacant land, is owned by two individuals.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 654 W SAWGRASS TRL, NORTH SIOUX CITY, SD 57049-5206 |
| 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.
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · Line of Credit MIDSTATES BANK NA |
| Mar 31, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 809 LAKESHORE DR, MCCOOK LAKE, SD 57049-4138 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 654 W SAWGRASS TRL, DAKOTA DUNES, SD 57049-5206 |
| Document Number | 000182/458 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 182/458 |
| Instrument | 231929 |
| Name | MIDSTATES BANK NA |
|---|---|
| Type | Bank |
| Address | SERGEANT BLUFF, IA 51054 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Mar 31, 2021 |
| Property Address | 809 LAKESHORE DR, MCCOOK LAKE, SD 57049-4138 |
| Document Number | 000111/172 |
| Book / Page | 111 / 172 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 211538 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 300 CENTENNIAL DR STE 200, 200, MCCOOK LAKE, SD 57049-3165 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 654 W SAWGRASS TRL, DAKOTA DUNES, SD 57049-5206 |
The 2026 property tax bill for 809 Lakeshore Dr was $5,349, up % from the year before.
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 | $5,349.00 (+0.02%) | $300,000 (-) Land $300,000 |
| 2025 | $5,348.00 (-0.39%) | $300,000 Land $300,000 |
| 2024 | $5,369.00 (-2.81%) | |
| 2023 | $5,524.00 (-6.69%) | $300,000 Land $300,000 |
| 2022 | $5,920.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 809 Lakeshore Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.
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 File 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.
Wildfire risk around 809 Lakeshore Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 89% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.03% 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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