Union County property record for 989 Wynstone Dr, Jefferson, SD 57038
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · built 2021 |
| Lot Size | 3.17 acres (138,085 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $52,500 (Aug 2013) |
| Tax Bill | $28,475 (2025) |
| Deeds & Mortgages | Mar 2020 Construction Loan Mar 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.WS.12.1109 |
| Primary APN | 17.WS.12.1109 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Stories | 2 Stories |
| Basement Area | 7,663 sqft |
| Finished Basement | 7,663 sqft |
| Flooring | Stone |
| Interior Walls | Stone |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Elevator | Elevator |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Combination |
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 138,085 sqft (3.17 acres) |
| Garage Type | Attached |
| Garage Area | 2,400 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 989 WYNSTONE DR |
|---|---|
| City | JEFFERSON |
| State | SD |
| Zip | 57038-6875 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REPLAT LOT 109 WYNSTONE 12TH ADD PH 1 (3.17A) |
| Legal Range | 07W |
| Legal Township | 30N |
| Legal Section | 36 |
| Legal Subdivision | WYNSTONE 12TH ADD |
| Legal Phase | 1 |
| Legal Lot Number | 109 |
| Legal Unit | 1 |
| Jurisdiction | UNION SD |
| Township / Civil Division | JEFFERSON |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 20302 |
Source: Union County records, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Living Trust |
| Date | Document |
|---|---|
| Mar 13, 2020 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK |
| Mar 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Mar 24, 2026 | Warranty Deed, Transfer |
| Jun 21, 2024 | Intrafamily Transfer, Transfer |
| Aug 1, 2013 | Warranty Deed, Transfer CENTRAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2013 · Amount on Record |
| Deed Sale | Aug 1, 2013 · Amount on Record |
| Deed Document Number | 20133768 |
| Deed Book / Page | 103 / 452 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000176/221 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 176/221 |
| Instrument | 201222 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Mar 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Mar 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.99% |
| Max Rate At Change | 5.99% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 5.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION SD |
| Property Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000180/169 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 180/169 |
| Instrument | 220613 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | SPIRIT LAKE, IA 51360 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Mar 24, 2026 |
| Property Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 000116/172 |
| Book / Page | 116 / 172 |
| Instrument Date | Mar 12, 2026 |
| Instrument | 260787 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $155.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 132 S SODRAC DR # DR101, DR101, NORTH SIOUX CITY, SD 57049-3203 |
| Name | Verified Name |
|---|---|
| Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Jun 21, 2024 |
| Property Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 000114/289 |
| Book / Page | 114 / 289 |
| Instrument Date | Apr 4, 2024 |
| Instrument | 241198 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION SD |
| Recording Date | Aug 1, 2013 |
| Property Address | 989 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 00103/0452 |
| Book / Page | 103 / 0452 |
| Instrument Date | Aug 1, 2013 |
| Instrument | 133768 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 306 FIELDSTONE CT, JEFFERSON, SD 57038-6890 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 985 WYNSTONE DR, JEFFERSON, SD 57038-6875 |
| Document Number | 0000133771 |
|---|---|
| Date | Aug 1, 2013 |
| Instrument | 133771 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Type Change Date | Jul 1, 2020 |
|---|
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 |
|---|---|---|
| 2025 | $28,475.00 (+1.1%) | $2,096,085 (+5.47%) Land $185,034 Building $1,911,051 |
| 2024 | $28,166.00 (+3.15%) | |
| 2023 | $27,306.00 (-4.75%) | $1,987,408 Land $167,359 Building $1,820,049 |
| 2022 | $28,667.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 92% 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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