1108 S Gary Dr, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 1108 S Gary Dr, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 896 sqft · built 1953
Lot Size	0.16 acres (6,991 sqft)
Owner	2 Trust Names on Record
Last Sale	$105,000 (Jul 2013)
Tax Bill	$2,529 (2025)
Deeds & Mortgages	Jun 2011 Mortgage Jul 2013 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-22-23-302-020-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-23-302-020-000`
Alternative APN	`35766`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	896 sqft Finished Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,991 sqft (0.16 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	35766
Street Address	1108 S GARY DR
City	SIOUX FALLS
State	SD
Zip	57103-3415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 BLOCK 3 HILLTOP HEIGHTS ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	HILLTOP HEIGHTS
Legal Block	3
Legal Lot Number	35
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	1
Census Block	1004
Census Tract	1801

Owner

Source: Minnehaha County records, as of July 16, 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	1108 S GARY DR, SIOUX FALLS, SD 57103-3415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2011	Deed of Trust, Mortgage HOME FEDERAL BANK
Jul 10, 2013	Warranty Deed, Transfer · Stand-Alone First Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2013 · Amount on Record
Deed Sale	Jul 10, 2013 · Amount on Record
Deed Document Number	2013320582
Deed Book / Page	550 / 480
Record Updated	Sep 20, 2026

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	1108 S GARY DR, SIOUX FALLS, SD 57103-3415
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001681/158
Date	Jun 14, 2011
Book Page	1681/158

Lender

Name	HOME FEDERAL BANK
Address	PO BOX 5000, SIOUX FALLS, SD 57117

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2026

July 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Jul 10, 2013
Property Address	1108 S GARY DR, SIOUX FALLS, SD 57103-3415
Document Number	000550/480
Book / Page	550 / 480
Instrument Date	Jun 28, 2013
Instrument	320582
Transaction Type	Transfer
Record Updated	May 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 S GARY DR, SIOUX FALLS, SD 57103-3415

Mortgage

Document Number	001739/246
Date	Jul 10, 2013
Book Page	1739/246
Instrument	320630

Lender

Name	BNC NATIONAL BANK
Type	Seller
Address	20175 N 67TH AVE, GLENDALE, AZ 85308

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2043

Tax Assessment & Valuation

Source: Minnehaha County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Minnehaha County
Municipality	Sioux Falls City
Unified School District	Sioux Falls School District 49-5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$2,529.00	$185,000 (+12.19%) Land $28,200 Building $156,800
2024	$2,529.00 (+8.03%)	$164,900 (+6.87%) Land $28,200 Building $136,700
2022	$2,341.00	$154,300 Land $28,200 Building $126,100

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective May 2, 2024 · 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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding

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	Low lower than 99.8% of the US · lower than 99.5% of South Dakota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	SIOUX FALLS serves 216,462 people · EPA ID SD4600294
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	3 ppb (2024) 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 704 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Cable in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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