Minnehaha County property record for 3540 S Spencer Blvd, Sioux Falls, SD 57103
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,191 sqft · built 1995 |
| Lot Size | 0.433 acres (18,848 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $677,500 (Jun 2020) |
| Tax Bill | $9,328 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Jun 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-22-34-201-003-000 |
| Primary APN | 01-22-34-201-003-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,191 sqft Finished Area |
| 1st Floor Area | 1,942 sqft |
| Basement Area | 2,135 sqft |
| Finished Basement | 1,800 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,848 sqft (0.433 acres) |
| Lot Dimensions | 145 ft deep x 130 ft wide |
| Garage Type | Attached |
| Garage Area | 712 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 24 sqft |
| Deck Area | Deck Area |
| Patio Area | 578 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 49951 |
|---|---|
| Street Address | 3540 S SPENCER BLVD |
| City | SIOUX FALLS |
| State | SD |
| Zip | 57103-4653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 BLOCK 7 THE PARK IN TUTHILL HIGHLANDS ADDN TO CITY OF SIOUX FALLS |
| Legal Subdivision | TUTHILL HIGHLANDS ADDN |
| Legal Block | 7 |
| Legal Lot Number | 11 |
| Jurisdiction | MINNEHAHA SD |
| Township / Civil Division | SIOUX FALLS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 1902 |
3540 S Spencer Blvd is owner-occupied and held in a trust since June 2020.
Source: Minnehaha County records, as of September 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 3540 S SPENCER BLVD, SIOUX FALLS, SD 57103-4653 |
| 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.
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF HEBBRONVILLE |
| Jun 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE FIRST NATIONAL BANK IN SIOUX FA |
| Jun 4, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE FIRST NATIONAL BANK IN SIOUX FA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2020 · Amount on File |
| Deed Sale | Jun 4, 2020 · Amount on File |
| Deed Book / Page | 596-D / 403 |
| Prior Transfer Date | Mar 3, 2015 |
| Prior Transfer Doc | 000560/949 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MINNEHAHA SD |
| Property Address | 3540 S SPENCER BLVD, SIOUX FALLS, SD 57103-4653 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3540 S SPENCER BLVD, SIOUX FALLS, SD 57103-4653 |
| Document Number | 1905MTG/58 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 1905 MTG/58 |
| Name | THE FIRST NATIONAL BANK OF HEBBRONVILLE |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57117 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MINNEHAHA SD |
| Recording Date | Jun 4, 2020 |
| Property Address | 3540 S SPENCER BLVD, SIOUX FALLS, SD 57103-4653 |
| Document Number | 596DEED/403 |
| Book / Page | 596 DEED / 403 |
| Instrument Date | Jun 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $677.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 501 W WINDROSE PL, 501, SIOUX FALLS, SD 57108-2897 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3540 S SPENCER BLVD, SIOUX FALLS, SD 57103-4653 |
| Document Number | 1886MTG799 |
|---|---|
| Date | Jun 4, 2020 |
| Instrument | 1886 MTG/799 |
| Name | THE FIRST NATIONAL BANK IN SIOUX FA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MINNEHAHA SD |
| Recording Date | Jun 4, 2020 |
| Property Address | 3540 S SPENCER BLVD, SIOUX FALLS, SD 57103-4653 |
| Document Number | 596DEED/403 |
| Book / Page | 596 DEED / 403 |
| Instrument Date | Jun 1, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $677.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 501 W WINDROSE PL, SIOUX FALLS, SD 57108-2897 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3540 S SPENCER BLVD, SIOUX FALLS, SD 57103-4653 |
| Document Number | 1886MTG799 |
|---|---|
| Date | Jun 4, 2020 |
| Instrument | 1886 MTG/799 |
| Name | THE FIRST NATIONAL BANK IN SIOUX FA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2040 |
| Document Number | 01887MTG/3 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 1887 MTG/3 |
| Name | THE FIRST NATIONAL BANK IN SIOUX FALLS |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57108 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 1, 2030 |
The 2025 property tax bill for 3540 S Spencer Blvd was $9,328.
Source: Minnehaha County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Minnehaha County |
| Municipality | Sioux Falls City |
| Unified School District | Sioux Falls School District 49-5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $693,191 (-0.06%) Land $73,582 Building $619,609 | $693,191 Land $73,582 Building $619,609 | |
| 2025 | $9,328.00 | $693,600 (+7.2%) Land $67,100 Building $626,500 | |
| 2024 | $9,328.00 | $647,000 Land $67,100 Building $579,900 | |
| 2022 | $8,517.00 | $570,700 Land $60,400 Building $510,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3540 S Spencer Blvd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.
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 |
| Nearby Flood Claims | 2 (1997–2014) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2014 · Severe Storms, Tornadoes, 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 risk around 3540 S Spencer Blvd 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 67% of the US · lower than 81% of South Dakota |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Bluepeak Fiber | 5,000 / 5,000 |
| Midco Cable · Fiber in parts of the area | 2,000 / 350 |
| Verizon Fixed Wireless | 300 / 20 |
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