305 S Waterside Cir, Sioux Falls, SD 57107 Property Records

Minnehaha County property record for 305 S Waterside Cir, Sioux Falls, SD 57107

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,071 sqft · built 2022
Lot Size	0.365 acres (15,895 sqft)
Owner	2 Trust Names on File
Tax Bill	$13,330 (2025)
Deeds & Mortgages	Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-21-16-370-008-000`

Property Details

APN / Parcel Number

Primary APN	`01-21-16-370-008-000`
Alternative APN	`93203`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	13 Rooms
Stories	1 Story
Building Area	2,071 sqft Finished Area
Basement Area	2,599 sqft
Finished Basement	2,001 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,895 sqft (0.365 acres)
Garage Type	Mixed
Garage Area	1,702 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	93203
Street Address	305 S WATERSIDE CIR
City	SIOUX FALLS
State	SD
Zip	57107-3084
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLOCK 1 CHERRY LAKE RESERVE WEST ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	ST ADDN
Legal Block	1
Legal Lot Number	8
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	1
Census Block	1068
Census Tract	10406

Owner

305 S Waterside Cir is owner-occupied and held in a trust.

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

Owner of Record	2 Trust Names on File
Mailing Address	305 S WATERSIDE CIR, SIOUX FALLS, SD 57107-3084
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	305 S WATERSIDE CIR, SIOUX FALLS, SD 57107-3084
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	1960MTG/45
Date	Sep 23, 2022
Book Page	1960 MTG/45

Lender

Name	AMERICAN BANK & TRUST CO
Type	Bank
Address	HURON, SD 57350

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.37%
Index	Other
Margin	3
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 305 S Waterside Cir was $13,330.

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	West Central School District 49-7 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,019,363 (+2.12%) Land $183,460 Building $835,903	$1,019,363 Land $183,460 Building $835,903
2025	$13,330.00	$998,200 (-2.58%) Land $185,500 Building $812,700
2024	$13,330.00	$1,024,600 Land $185,500 Building $839,100
2022	$3,878.00	$200,300 Land $170,300 Building $30,000

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

Flood

FEMA maps place 305 S Waterside Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2010 · Severe Storms 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

Wildfire risk around 305 S Waterside Cir is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 77% of South Dakota
Wildfire Likelihood	0.04% 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
Also Mapped Here	MINNEHAHA COMMUNITY WATER CORP
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 159 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Midco Cable · Fiber in parts of the area	2,000 / 350
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20