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Single Family ResidenceResidential
$204,147
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $85,000 on Jul 10, 2020

SPENCER, SD 57374
0
Baths
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$204K
$197K low$211K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$85,000 · Jul 10, 2020
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$204,147
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$163,318

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$31 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,200

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.5 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMcCook
Lot (acres)The size of the land the home sits on, from county records.0.33

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Goldenview Colony School - 04C-
Elementary · Grades KG–8 · 8.0 mi
H
McCook Central High School - 01B
High · Grades 9–12 · 10.4 mi

District: McCook Central School District 43-7

Neighborhood · ZIP 57374These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.96
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.432
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.6 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,973
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,223
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.24 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 65% of homes in Spencer 57374
  • Has a smaller lot than 85% of homes in Spencer 57374

What homes are worth in Spencer 57374

Each bar is how many homes fall in that price range. The marker is this home.

This home
$109K$637K

This home is worth more than 35% of homes in Spencer 57374.

How it measures up in Spencer 57374

The dot is this home. The mark in the middle is the typical home in Spencer 57374.

Estimated value$204,147
CheaperTypical $231,437Pricier

Pricier than 35% of homes nearby

Lot size0.33 ac
SmallerTypical 1 acBigger

Bigger than 15% of homes nearby

How ranks against every home in each area.
MeasureThis homeSpencer 57374McCook County
Estimated valuepricier than$204,14735% of homes36% of homes
Lot sizebigger than0.33 ac15% of homes30% of homes

About

How much is , Spencer, SD worth?

The TopHap Estimate for , Spencer, SD is $204,147 as of Jul 14, 2026. The likely range is $197,026 to $211,268. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did , Spencer, SD last sell?

, Spencer, SD last sold on Jul 10, 2020 for $85,000, according to the county's recorded deed.

What schools serve , Spencer, SD?

, Spencer, SD is assigned to Goldenview Colony School - 04 (elementary), rated C-; McCook Central High School - 01 (high), rated B. All sit in McCook Central School District 43-7. Attendance boundaries change — confirm with the district before relying on an assignment.

How does , Spencer, SD compare to other homes in Spencer 57374?

Among the 178 homes in Spencer 57374, it is worth more than 35% of them ($204,147 against a typical $231,437) and its lot is bigger than 15% of them (0.33 ac against a typical 1 ac). Measured against all of McCook County, it is worth more than 36% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on , Spencer, SD?

The 2025 property tax bill for , Spencer, SD was $31. The county assessed it at $1,200.

Closest homes

More homes in Spencer 57374

Assigned schools

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