1209 S Clover Ave, Sioux Falls, SD 57110 Property Records

Minnehaha County property record for 1209 S Clover Ave, Sioux Falls, SD 57110

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,596 sqft · built 1973
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Trust Names on Record
Last Sale	$370,000 (May 2024)
Tax Bill	$4,829 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Jan 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-24-326-003-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-24-326-003-000`
Alternative APN	`48394`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,596 sqft Finished Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Finished Basement	919 sqft
Family Room	Family Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	196 sqft
Deck Area	445 sqft
Patio Area	665 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	48394
Street Address	1209 S CLOVER AVE
City	SIOUX FALLS
State	SD
Zip	57110-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLOCK 6 SUNNY VIEW ACRES IN CITY OF SIOUX FALLS
Legal Subdivision	SUNNY VIEW ACRES
Legal Block	6
Legal Lot Number	12
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	3
Census Block	3028
Census Tract	407

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	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Deeds, Mortgages & Sale History

Date	Document
May 7, 2024	Warranty Deed, Transfer · FHA Mortgage FIRST BANK & TRUST
Jan 19, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BLACK HILLS FCU
Sep 6, 2018	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK
Jul 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage BLACK HILLS FCU
Sep 6, 2018	Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2024 · Amount on Record
Deed Sale	May 7, 2024 · Amount on Record
Prior Sale	Sep 6, 2018 · Amount on Record
Deed Book / Page	625-D / 702
Record Updated	Sep 20, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	May 7, 2024
Property Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020
Document Number	DEEDS625/702
Book / Page	DEEDS625 / 702
Instrument Date	Apr 30, 2024
Transaction Type	Transfer
Record Updated	May 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020

Mortgage

Document Number	MTG1983528
Date	May 7, 2024
Instrument	MTG 1983/528

Lender

Name	FIRST BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020

Mortgage

Document Number	1965MTG/353
Date	Jan 19, 2023
Book Page	1965 MTG/353

Lender

Name	BLACK HILLS FCU
Type	Credit Union
Address	RAPID CITY, SD 57709

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2033

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1846MTG/744
Date	Sep 6, 2018
Book Page	1846 MTG/744

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1890MTG/55
Date	Jul 1, 2020
Book Page	1890 MTG/55

Lender

Name	BLACK HILLS FCU
Type	Credit Union
Address	RAPID CITY, SD 57702

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	4.75%
Index	1-Year LIBOR
Max Rate	7.75%

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Sep 6, 2018
Property Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020
Document Number	585DEED/0032
Book / Page	585 DEED / 0032
Instrument Date	Aug 24, 2018
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$222.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1209 S CLOVER AVE, SIOUX FALLS, SD 57110-3020

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	$4,829.00	$353,500 (+9.38%) Land $49,000 Building $304,500
2024	$4,829.00 (+14.78%)	$323,200 (+16.76%) Land $49,000 Building $274,200
2022	$4,207.00	$276,800 Land $49,000 Building $227,800

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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 97% of the US · lower than 94% of South Dakota
Wildfire Likelihood	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 395 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

1209 S Clover Ave, Sioux Falls, SD 57110 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2024: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2018: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on S Clover Ave

Nearby Streets

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