Union County property record for 965 Wynstone Dr, Jefferson, SD 57038
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4,109 sqft · built 2006 |
| Lot Size | 1.21 acres (52,838 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $95,000 (Dec 2019) |
| Tax Bill | $10,701 (2026) |
| Deeds & Mortgages | Dec 2019 Sale & Construction Loan Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.WS.11.1098 |
| Primary APN | 17.WS.11.1098 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Stories | 2 Stories |
| Building Area | 4,109 sqft Living Area |
| Basement Area | 3,726 sqft |
| Finished Basement | 3,726 sqft |
| Flooring | Brick |
| Interior Walls | Brick |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Foundation Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 52,838 sqft (1.21 acres) |
| Garage Type | Attached |
| Garage Area | 932 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 965 WYNSTONE DR |
|---|---|
| City | JEFFERSON |
| State | SD |
| Zip | 57038-6875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 98 WYNSTONE 11TH ADD PH 1 (1.213A) |
| Legal Range | 07W |
| Legal Township | 30N |
| Legal Section | 36 |
| Legal Subdivision | WYNSTONE 11TH ADD |
| Legal Phase | 1 |
| Legal Lot Number | 98 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 20302 |
965 Wynstone Dr is owned and occupied by two individuals who bought it in December 2019.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 965 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Dec 13, 2019 | Warranty Deed, Construction Loan · Construction Mortgage CENTRAL BANK |
| Sep 27, 2019 | Warranty Deed, Transfer · ARM PIONEER BANK |
| Jul 23, 2019 | Warranty Deed, Construction Loan · Construction Mortgage SIOUXLAND FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2019 · Amount on File |
| Deed Sale | Dec 13, 2019 · Amount on File |
| Prior Sale | Sep 27, 2019 · Amount on File |
| Deed Document Number | 20195260 |
| Deed Book / Page | 109 / 802 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Dec 13, 2019 |
| Property Address | 965 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 00109/0802 |
| Book / Page | 109 / 0802 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 195260 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 125 GATEWAY DR, 125, NORTH SIOUX CITY, SD 57049-5405 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 421 INVERNESS TRL, DAKOTA DUNES, SD 57049-5245 |
| Document Number | 0001741017 |
|---|---|
| Date | Dec 13, 2019 |
| Instrument | 174/1017 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Jan 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4.99% |
| Max Rate At Change | 6.99% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 10.9% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Sep 27, 2019 |
| Property Address | 965 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 00109/0620 |
| Book / Page | 109 / 0620 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 194022 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0001740763 |
|---|---|
| Date | Sep 27, 2019 |
| Instrument | 174/0763 |
| Name | PIONEER BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 1, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Sep 1, 2029 |
| Min Rate At Change | 4% |
| Max Rate At Change | 6% |
| Index | 10-Year TN |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Jul 23, 2019 |
| Property Address | 965 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 00109/0457 |
| Book / Page | 109 / 0457 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 192955 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 125 GATEWAY DR, 125, NORTH SIOUX CITY, SD 57049-5405 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7348 N 90TH ST, OMAHA, NE 68122-5265 |
| Document Number | 0000192956 |
|---|---|
| Date | Jul 23, 2019 |
| Instrument | 192956 |
| Name | SIOUXLAND FCU |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Aug 1, 2020 |
The 2026 property tax bill for 965 Wynstone Dr was $10,701, up % from the year before.
Source: Union County assessment roll, as of October 6, 2025
| Type | Name |
|---|---|
| State | South Dakota |
| County | Union County |
| County Subdivision | Jefferson Township |
| Unified School District | Dakota Valley School District 61-8 (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $10,701.00 (+0.01%) | $787,682 (-) Land $70,803 Building $716,879 |
| 2025 | $10,700.00 (+10.22%) | $787,682 Land $70,803 Building $716,879 |
| 2024 | $9,708.00 (+9.87%) | |
| 2023 | $8,836.00 (+12.7%) | $643,116 Land $50,654 Building $592,462 |
| 2022 | $7,840.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 965 Wynstone 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 965 Wynstone Dr is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 87% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | CLAY RWS/SOUTH UNION private · serves 1,447 people · EPA ID SD4602185 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2025) 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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Long Lines Metro Cable | 1,500 / 50 |
| Sparklight Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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