860 Willow Dr, Dakota Dunes (North Sioux City), SD 57049 Property Records

Union County property record for 860 Willow Dr, Dakota Dunes, SD 57049

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,382 sqft · built 1992
Lot Size	0.124 acres (5,401 sqft)
Owner	Individual Name on Record
Last Sale	$640,000 (Jul 2023)
Tax Bill	$5,817 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23.WL.12.1001`

Property Details

APN / Parcel Number

Primary APN	`23.WL.12.1001`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,382 sqft Living Area
Basement Area	1,644 sqft
Finished Basement	1,644 sqft
Unfinished Basement	1,597 sqft
Flooring	Brick
Interior Walls	Brick
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Wood
Foundation Type	Wood
Roof Material	Composition Shingle
Lot Area	5,401 sqft (0.124 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	860 WILLOW DR
City	NORTH SIOUX CITY
State	SD
Zip	57049-5130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 2 WILLOWS ADD PHASE 1 (.124A) AND LOT 1 OF TR A WILLOWS ADD PHASE 1 (638 SF)
Legal Subdivision	WILLOWS ADD
Legal Phase	1
Legal Tract	A
Legal Block	2
Legal Lot Number	1
Legal Unit	1
Jurisdiction	UNION SD
Township / Civil Division	BIG SIOUX
Census Block Group	2
Census Block	2001
Census Tract	20301

Owner

Source: Union County records, as of October 20, 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 Record
Mailing Address	860 WILLOW DR, NORTH SIOUX CITY, SD 57049-5130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE SECURITY NATIONAL BANK OF SIOUX CITY
Feb 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage THE SECURITY NATIONAL BANK OF SIOUX CITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2023 · Amount on Record
Deed Sale	Jul 26, 2023 · Amount on Record
Prior Sale	Nov 25, 2020 · Amount on Record
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	860 WILLOW DR, DAKOTA DUNES, SD 57049-5130
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 5TH ST 606, 606, SIOUX CITY, IA 51101-1508

Mortgage

Document Number	000182/446
Date	Aug 18, 2023
Book Page	182/446
Instrument	231865

Lender

Name	THE SECURITY NATIONAL BANK OF SIOUX CITY
Type	Bank
Address	SIOUX CITY, IA 51102

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	1 Months
Due	Sep 26, 2023

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION SD
Property Address	860 WILLOW DR, DAKOTA DUNES, SD 57049-5130
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 170659
Date	Feb 21, 2017
Book Page	170/0112
Instrument	170659

Lender

Name	THE SECURITY NATIONAL BANK OF SIOUX CITY
Type	Bank
Address	SIOUX CITY, IA 51101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 6, 2025

Property Jurisdictions

Type	Name
State	South Dakota
County	Union County
County Subdivision	Big Sioux Township
Unified School District	Dakota Valley School District 61-8 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$5,817.00	$368,866 (-) Land $60,394 Building $308,472
2025	$5,817.00 (+34.16%)	$368,866 (+32.6%) Land $60,394 Building $308,472
2024	$4,336.00 (-0.64%)
2023	$4,364.00 (-5.42%)	$278,176 Land $40,890 Building $237,286
2022	$4,614.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 Record median of 124 policies
Nearby Flood Policies	124 in force
Nearby Flood Claims	33 (2011–2024)
Claims Outside the SFHA	25 of 33
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 2 claims Flooding, Jul 2011 · 26 claims

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	Moderate above 54% of the US · above 43% of South Dakota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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	DAKOTA DUNES CID serves 3,700 people · EPA ID SD4602093
Water Source	Purchased groundwater influenced by surface water from SIOUX CITY WATER SUPPLY
Last State Inspection	Apr 2024
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 238 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Long Lines Metro Cable	1,500 / 50
ImOn Communications Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50

May also be available: Nextlink, Verizon.

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