Union County property record for 977 Wynstone Dr, Jefferson, SD 57038
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2,240 sqft · built 2019 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $70,000 (Feb 2018) |
| Tax Bill | $12,203 (2026) |
| Deeds & Mortgages | Oct 2018 Construction Loan Jan 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.WS.11.1104 |
| Primary APN | 17.WS.11.1104 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 2,240 sqft Living Area |
| Basement Area | 4,648 sqft |
| Finished Basement | 4,648 sqft |
| Flooring | Stone |
| Interior Walls | Stone |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 45,302 sqft (1.04 acres) |
| Garage Type | Attached |
| Garage Area | 1,100 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Covered Porch |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 977 WYNSTONE DR |
|---|---|
| City | JEFFERSON |
| State | SD |
| Zip | 57038-6875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 104 WYNSTONE 11TH ADD PHASE 1 (1.04A) |
| Legal Range | 07W |
| Legal Township | 30N |
| Legal Section | 36 |
| Legal Subdivision | WYNSTONE 11TH ADD |
| Legal Phase | 1 |
| Legal Lot Number | 104 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 20302 |
977 Wynstone Dr is owned and occupied by two individuals who bought it in February 2018.
Source: Union County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 977 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 |
|---|---|
| Oct 29, 2018 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK |
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Jul 24, 2019 | Deed of Trust, Mortgage · Line of Credit CENTRAL BANK |
| Jul 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Nov 10, 2025 | Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK |
| Mar 19, 2018 | Re-recorded Document |
| Feb 21, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 2018 · Amount on File |
| Deed Sale | Feb 14, 2018 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 813 BROOKSIDE DR, JEFFERSON, SD 57038-6891 |
| Document Number | 00172/0832 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | 172/0832 |
| Instrument | 184625 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Nov 1, 2020 |
| 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 | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000178/38 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 178/38 |
| Instrument | 210195 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00174/0572 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 174/0572 |
| Instrument | 192967 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 30, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00174/0573 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 174/0573 |
| Instrument | 192968 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 000186/702 |
|---|---|
| Date | Nov 10, 2025 |
| Book Page | 186/702 |
| Instrument | 252612 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | 522 4TH ST STE 310, SIOUX CITY, IA 51101 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Mar 19, 2018 |
| Property Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 00108/0146 |
| Book / Page | 108 / 0146 |
| Instrument Date | Mar 9, 2018 |
| Instrument | 181058 |
| Record Updated | Jan 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|---|
| Address | 1114 4TH ST, SIOUX CITY, IA 51101-1904 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 813 BROOKSIDE DR, JEFFERSON, SD 57038-6891 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Feb 21, 2018 |
| Property Address | 977 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 00108/0103 |
| Book / Page | 108 / 0103 |
| Instrument Date | Feb 14, 2018 |
| Instrument | 180708 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1114 4TH ST, SIOUX CITY, IA 51101-1904 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 813 BROOKSIDE DR, JEFFERSON, SD 57038-6891 |
The 2026 property tax bill for 977 Wynstone Dr was $12,203.
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 | $12,203.00 | $898,280 (-) Land $60,705 Building $837,575 |
| 2025 | $12,203.00 (+10.46%) | $898,280 Land $60,705 Building $837,575 |
| 2024 | $11,047.00 (+7.62%) | |
| 2023 | $10,265.00 (-4.92%) | $747,117 Land $54,906 Building $692,211 |
| 2022 | $10,796.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 977 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 977 Wynstone Dr is high, ranking above 78% 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 78% of the US · above 89% 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures