2913 S Pepper Ridge Ave, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 2913 S Pepper Ridge Ave, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 954 sqft · built 1994
Lot Size	0.144 acres (6,260 sqft)
Owner	2 Trust Names on File
Last Sale	$324,000 (Oct 2024)
Tax Bill	$3,688 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-22-26-427-014-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-26-427-014-000`
Alternative APN	`56600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	954 sqft Finished Area
1st Floor Area	954 sqft
Basement Area	954 sqft
Finished Basement	663 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,260 sqft (0.144 acres)
Lot Dimensions	124 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	144 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	56600
Street Address	2913 S PEPPER RIDGE AVE
City	SIOUX FALLS
State	SD
Zip	57103-6540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEPPER RIDGE SEC 14 BLOCK 1A STONEY BROOK ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	STONEY BROOK ADDN
Legal Block	1A
Legal Lot Number	14
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	1
Census Block	1001
Census Tract	1805

Owner

2913 S Pepper Ridge Ave is owner-occupied and held in a trust since October 2024.

Source: Minnehaha County records, as of September 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	2913 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-6540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 2, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BLACK HILLS FCU
Dec 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2024 · Amount on File
Deed Sale	Oct 1, 2024 · Amount on File
Prior Sale	Dec 19, 2019 · Amount on File
Deed Book / Page	628-D / 482
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	2913 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-6540
Transaction Type	Mortgage
Record Updated	Feb 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2913 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-6540

Mortgage

Document Number	001979/369
Date	Jan 2, 2024
Book Page	1979/369

Lender

Name	BLACK HILLS FCU
Type	Credit Union
Address	PO BOX 1420, RAPID CITY, SD 57709

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 25, 2038

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	2913 S PEPPER RIDGE AVE, SIOUX FALLS, SD 57103-6540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1874MTG/0402
Date	Dec 19, 2019
Book Page	1874 MTG/0402

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2913 S Pepper Ridge Ave was $3,688.

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		$274,052 (-0.42%) Land $29,472 Building $244,580	$274,052 Land $29,472 Building $244,580
2025	$3,688.00	$275,200 (+27.94%) Land $29,800 Building $245,400
2024	$3,688.00	$215,100 Land $29,800 Building $185,300
2022	$2,881.00	$192,700 Land $29,800 Building $162,900

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

Flood

FEMA maps place 2913 S Pepper Ridge Ave in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 2913 S Pepper Ridge Ave is low, with less than a 0.01% annual chance of 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	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 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.

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