2705 S Pepper Ridge Ave, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 2705 S Pepper Ridge Ave, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,022 sqft · built 1988
Lot Size	0.199 acres (8,660 sqft)
Owner	2 Trust Names on Record
Last Sale	$273,000 (Oct 2020)
Tax Bill	$3,616 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Oct 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-26-279-022-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-26-279-022-000`
Alternative APN	`57190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,022 sqft Finished Area
1st Floor Area	1,022 sqft
Basement Area	988 sqft
Finished Basement	790 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,660 sqft (0.199 acres)
Lot Dimensions	109 ft deep x 63.5 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	15 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	57190
Street Address	2705 S PEPPER RIDGE AVE
City	SIOUX FALLS
State	SD
Zip	57103-4224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLOCK 17 ASCOT PARK ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	PARK ADDN
Legal Block	17
Legal Lot Number	12
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	3
Census Block	3011
Census Tract	1804

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	2705 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-4224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Deed of Trust, Mortgage SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Oct 29, 2020	Deed of Trust, Mortgage · Line of Credit SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Oct 29, 2020	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on Record
Deed Sale	Oct 29, 2020 · Amount on Record
Deed Book / Page	599-D / 961
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	2705 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-4224
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1960MTG/320
Date	Sep 29, 2022
Book Page	1960 MTG/320

Lender

Name	SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Type	Government Agency
Address	PIERRE, SD 57501

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	2705 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-4224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1903MTG/367
Date	Oct 29, 2020
Book Page	1903 MTG/367

Lender

Name	SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI
Type	Government Agency
Address	PIERRE, SD 57501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Oct 29, 2020
Property Address	2705 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-4224
Document Number	599DEED/961
Book / Page	599 DEED / 961
Instrument Date	Oct 2, 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	$273.00
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	2705 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-4224

Mortgage

Document Number	1903MTG360
Date	Oct 29, 2020
Instrument	1903 MTG/360

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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		$265,646 (-0.43%) Land $39,066 Building $226,580	$265,646 Land $39,066 Building $226,580
2025	$3,616.00	$266,800 (+4.75%) Land $39,500 Building $227,300
2024	$3,616.00 (+5.36%)	$254,700 (+11.42%) Land $39,500 Building $215,200
2022	$3,432.00	$228,600 Land $39,500 Building $189,100

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
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	Not rated no burnable land within 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 506 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Bluepeak.

Nearby Properties on S Pepper Ridge Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures