2528 E Whisper Trl, Sioux Falls, SD 57108 Property Records

Lincoln County property record for 2528 E Whisper Trl, Sioux Falls, SD 57108

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba
Lot Size	0.199 acres (8,708 sqft)
Owner	Individual Name on Record
Tax Bill	$6,826 (2025)
Deeds & Mortgages	Jan 2013 Mortgage Mar 2013 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`281.67.09.008`

Property Details

APN / Parcel Number

Primary APN	`281.67.09.008`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths

Exterior

Lot Area	8,708 sqft (0.199 acres)
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Location & Zoning

Street Address	2528 E WHISPER TRL
City	SIOUX FALLS
State	SD
Zip	57108-4913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPALI
Legal Description	LOT 8 BLOCK 9 WHISPER RIDGE ADD CITY OF SIOUX FALLS
Legal Range	50
Legal Township	100
Legal Section	12
Legal Subdivision	WHISPER RIDGE ADD
Legal Block	9
Legal Lot Number	8
Jurisdiction	LINCOLN SD
Township / Civil Division	SIOUX FALLS
Census Block Group	3
Census Block	3014
Census Tract	10112

Owner

Source: Lincoln County records, as of May 1, 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	2528 E WHISPER TRL, SIOUX FALLS, SD 57108-4913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2013	Deed of Trust, Mortgage THE FIRST NATIONAL BANK IN SIOUX FALLS
Mar 1, 2013	Deed of Trust, Mortgage THE FIRST NATIONAL BANK IN SIOUX FALLS
Apr 8, 2013	Deed of Trust, Mortgage THE FIRST NATIONAL BANK IN SIOUX FALLS
Jan 18, 2013	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN SD
Property Address	2528 E WHISPER TRL, SIOUX FALLS, SD 57108-4913
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000161/661
Date	Jan 18, 2013
Book Page	161/661
Instrument	370877

Lender

Name	THE FIRST NATIONAL BANK IN SIOUX FALLS
Address	401 W 57TH ST, SIOUX FALLS, SD 57108

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2043

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN SD
Property Address	2528 E WHISPER TRL, SIOUX FALLS, SD 57108-4913
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00161/2005
Date	Mar 1, 2013
Book Page	161/2005
Instrument	372730

Lender

Name	THE FIRST NATIONAL BANK IN SIOUX FALLS
Address	401 W 57TH ST, SIOUX FALLS, SD 57108

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2043

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN SD
Property Address	2528 E WHISPER TRL, SIOUX FALLS, SD 57108-4913
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 E WHISPER TRL, SIOUX FALLS, SD 57108-4913

Mortgage

Document Number	00161/3247
Date	Apr 8, 2013
Book Page	161/3247
Instrument	374541

Lender

Name	THE FIRST NATIONAL BANK IN SIOUX FALLS
Address	100 S PHILLIPS AVE, SIOUX FALLS, SD 57104

Agreement

Amount	Amount Recorded
Term	59 Months
Due	Mar 27, 2018

January 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN SD
Recording Date	Jan 18, 2013
Property Address	2528 E WHISPER TRL, SIOUX FALLS, SD 57108-4913
Document Number	000119/111
Book / Page	119 / 111
Instrument Date	Jan 17, 2013
Instrument	370876
Transaction Type	Transfer
Record Updated	May 1, 2026

Transaction

Tax	$0.00
Amount Accuracy	Limited Transfer Tax Data
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 E WHISPER TRL, SIOUX FALLS, SD 57108-4913

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Lincoln County
Municipality	Sioux Falls City
Unified School District	Harrisburg School District 41-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,826.00 (-16.94%)	$498,286 (+0.86%) Land $69,514 Building $428,772
2024		$494,041 (+3.28%) Land $69,514 Building $424,527	$494,041
2023	$8,218.00	$478,329 (+22.85%) Land $69,514 Building $408,815
2022	$8,218.00	$389,350 Land $63,155 Building $326,195

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
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 96% of the US · lower than 93% of South Dakota
Wildfire Likelihood	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 614 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber · Cable in parts of the area	5,000 / 5,000
Midco Cable · Fiber in parts of the area	2,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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