1209 S Gary Dr, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 1209 S Gary Dr, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 714 sqft · built 1953
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on Record
Last Sale	$155,500 (May 2026)
Tax Bill	$2,129 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-23-304-008-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-23-304-008-000`
Alternative APN	`35713`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	714 sqft Finished Area
1st Floor Area	714 sqft
Basement Area	714 sqft
Finished Basement	270 sqft
Family Room	Family Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,998 sqft (0.138 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	35713
Street Address	1209 S GARY DR
City	SIOUX FALLS
State	SD
Zip	57103-3416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLOCK 1 HILLTOP HEIGHTS ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	HILLTOP HEIGHTS
Legal Block	1
Legal Lot Number	8
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	1
Census Block	1015
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	Individual Name on Record
Mailing Address	1209 S GARY DR, SIOUX FALLS, SD 57103-3416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Warranty Deed, Transfer BLACK HILLS FEDERAL CREDIT UNION
Jan 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORTRUST MORTGAGE
Aug 25, 2021	Deed of Trust, Mortgage · Line of Credit CORTRUST BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Deed Document Number	2026159613
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	May 27, 2026
Property Address	1209 S GARY DR, SIOUX FALLS, SD 57103-3416
Document Number	0000159613
Book / Page	638-D / 643
Instrument Date	May 15, 2026
Instrument	2026159613
Transaction Type	Transfer
Record Updated	Jun 24, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$15,705.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 S GARY DR, SIOUX FALLS, SD 57103-3416

Mortgage

Document Number	0000159614,
Date	May 27, 2026
Book Page	2016-M/735
Instrument	2026159614

Lender

Name	BLACK HILLS FEDERAL CREDIT UNION

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000159615,
Date	May 27, 2026
Book Page	2016-M/736
Instrument	2026159615

Lender

Name	SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORITY

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.3%
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	1209 S GARY DR, SIOUX FALLS, SD 57103-3416
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1876MTG/0167
Date	Jan 16, 2020
Book Page	1876 MTG/0167

Lender

Name	CORTRUST MORTGAGE
Type	Mortgage Company
Address	SIOUX FALLS, SD 57105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	1209 S GARY DR, SIOUX FALLS, SD 57103-3416
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 S GARY DR, SIOUX FALLS, SD 57103-3416

Mortgage

Document Number	1932MTG/469
Date	Aug 25, 2021
Book Page	1932 MTG/469

Lender

Name	CORTRUST BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57110

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,129.00	$154,800 (+9.4%) Land $25,400 Building $129,400
2024	$2,129.00 (+5.03%)	$141,500 (+6.39%) Land $25,400 Building $116,100
2022	$2,027.00	$133,000 Land $25,400 Building $107,600

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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