425 E Twin Oaks Rd, Sioux Falls, SD 57105 Property Records

Minnehaha County property record for 425 E Twin Oaks Rd, Sioux Falls, SD 57105

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,421 sqft · built 2018
Lot Size	4.3 acres (187,308 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Aug 2014)
Tax Bill	$29,654 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-33-404-002-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-33-404-002-000`
Alternative APN	`41088`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,421 sqft Finished Area
Basement Area	3,083 sqft
Finished Basement	2,555 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	187,308 sqft (4.3 acres)
Garage Type	Attached
Garage Area	1,617 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Deck Area	171 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Geothermal
Sewer	Connected

Location & Zoning

Account Number	41088
Street Address	425 E TWIN OAKS RD
City	SIOUX FALLS
State	SD
Zip	57105-6907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2A OAK HOLLOW ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	OAK HOLLOW ADDN
Legal Tract	2A
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	2
Census Block	2009
Census Tract	1902

Owner

425 E Twin Oaks Rd is owned and occupied by two individuals who acquired it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	425 E TWIN OAKS RD, SIOUX FALLS, SD 57105-6907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST
Nov 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 20, 2018	Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2014 · Amount on File
Deed Sale	Aug 4, 2014 · Amount on File
Prior Sale	Dec 26, 2008
Deed Document Number	2014415800
Deed Book / Page	557 / 368
Last Transfer Date	Jun 19, 2025
Transfer Doc	0000135861
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	425 E TWIN OAKS RD, SIOUX FALLS, SD 57105-6907
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1868MTG/0430
Date	Oct 2, 2019
Book Page	1868 MTG/0430

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	425 E TWIN OAKS RD, SIOUX FALLS, SD 57105-6907
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1873MTG/0899
Date	Dec 12, 2019
Book Page	1873 MTG/0899

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	SIOUX FALLS, SD 57101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 3, 2039

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	425 E TWIN OAKS RD, SIOUX FALLS, SD 57105-6907
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1851MTG/0262
Date	Nov 27, 2018
Book Page	1851 MTG/0262

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	425 E TWIN OAKS RD, SIOUX FALLS, SD 57105-6907
Transaction Type	Mortgage
Record Updated	May 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1852MTG/0535
Date	Dec 20, 2018
Book Page	1852 MTG/0535

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	SIOUX FALLS, SD 57101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 18, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 425 E Twin Oaks Rd was $29,654.

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		$2,348,974 (+5.12%) Land $463,149 Building $1,885,825	$2,348,974 Land $463,149 Building $1,885,825
2025	$29,654.00	$2,234,600 (+7.48%) Land $468,300 Building $1,766,300
2024	$29,654.00	$2,079,000 Land $468,300 Building $1,610,700
2022	$26,155.00	$1,777,700 Land $430,000 Building $1,347,700

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

Flood

FEMA maps place 425 E Twin Oaks Rd in Zone X, an area of minimal flood risk, though there have been 45 flood claims nearby since 1984.

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
Flood Insurance Cost	Premium on File median of 12 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	45 (1984–2024)
Claims Outside the SFHA	20 of 45
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Mar 2019 · 16 claims Severe Storms And Flooding, Jul 2010 · 16 claims Severe Storms, Tornadoes & Flooding, Jul 1993 · 3 claims

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 425 E Twin Oaks Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 72% of South Dakota
Wildfire Likelihood	0.05% 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
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 33 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
CenturyLink DSL · Fiber in parts of the area	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Bluepeak.

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