2316 S Stephen Ave, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 2316 S Stephen Ave, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,343 sqft · built 1974
Lot Size	0.222 acres (9,692 sqft)
Owner	2 Trust Names on Record
Last Sale	$246,000 (Apr 2020)
Tax Bill	$4,513 (2025)
Deeds & Mortgages	May 2023 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-26-178-005-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-26-178-005-000`
Alternative APN	`40308`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	1,343 sqft Finished Area
1st Floor Area	1,288 sqft
Basement Area	1,260 sqft
Finished Basement	819 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,692 sqft (0.222 acres)
Lot Dimensions	120 ft deep x 80.8 ft wide
Garage Type	Attached
Garage Area	617 sqft
Parking Spaces	2 Parking Spaces
Deck Area	269 sqft
Patio Area	640 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	40308
Street Address	2316 S STEPHEN AVE
City	SIOUX FALLS
State	SD
Zip	57103-4443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REPLAT 9 BLOCK 4 MOCKING BIRD HILL ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	MOCKING BIRD HILL ADDN
Legal Block	4
Legal Lot Number	9
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	3
Census Block	3000
Census Tract	1801

Owner

Source: Minnehaha County records, as of September 23, 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	2316 S STEPHEN AVE, SIOUX FALLS, SD 57103-4443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Deeds, Mortgages & Sale History

Date	Document
May 8, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK & TRUST
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST
Apr 3, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2020 · Amount on Record
Deed Sale	Apr 3, 2020 · Amount on Record
Deed Book / Page	595-D / 228
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	2316 S STEPHEN AVE, SIOUX FALLS, SD 57103-4443
Transaction Type	Mortgage
Record Updated	Jul 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1969MTG/310
Date	May 8, 2023
Book Page	1969 MTG/310

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	SIOUX FALLS, SD 57101

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	May 7, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	2316 S STEPHEN AVE, SIOUX FALLS, SD 57103-4443
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1902MTG/342
Date	Oct 21, 2020
Book Page	1902 MTG/342

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Apr 3, 2020
Property Address	2316 S STEPHEN AVE, SIOUX FALLS, SD 57103-4443
Document Number	595DEED/228
Book / Page	595 DEED / 228
Instrument Date	Mar 27, 2020
Transaction Type	Transfer
Record Updated	Mar 15, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246.00
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	2316 S STEPHEN AVE, SIOUX FALLS, SD 57103-4443

Mortgage

Document Number	01881MTG17
Date	Apr 3, 2020
Instrument	1881 MTG/17

Lender

Name	FIRST BANK & TRUST
Type	Bank

Agreement

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

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	Assessed Market Value
2026		$297,788 (-10.79%) Land $38,967 Building $258,821	$297,788 Land $38,967 Building $258,821
2025	$4,513.00	$333,800 (+6.27%) Land $39,400 Building $294,400
2024	$4,513.00 (+9.97%)	$314,100 (+14.89%) Land $44,300 Building $269,800
2022	$4,104.00	$273,400 Land $44,300 Building $229,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2006

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 99.1% of the US · lower than 98% of South Dakota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 408 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

2316 S Stephen Ave, Sioux Falls, SD 57103 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on S Stephen Ave

Nearby Streets

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