Minnehaha County property record for 4408 E Pepper Ridge Cir, Sioux Falls, SD 57103
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 884 sqft · built 1985 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Apr 2024) |
| Tax Bill | $3,008 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage May 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-22-26-428-007-000 |
| Primary APN | 01-22-26-428-007-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Building Area | 884 sqft Finished Area |
| 1st Floor Area | 884 sqft |
| Basement Area | 884 sqft |
| Finished Basement | 478 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 102 ft deep x 40 ft wide |
| Garage Type | Mixed |
| Garage Area | 156 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 184 sqft |
| Patio Area | 448 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 55933 |
|---|---|
| Street Address | 4408 E PEPPER RIDGE CIR |
| City | SIOUX FALLS |
| State | SD |
| Zip | 57103-6513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PEPPER RIDGE SEC 7 BLOCK 2A STONEY BROOK ADDN TO CITY OF SIOUX FALLS |
| Legal Subdivision | STONEY BROOK ADDN |
| Legal Block | 2A |
| Legal Lot Number | 7 |
| Jurisdiction | MINNEHAHA SD |
| Township / Civil Division | SIOUX FALLS |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 1805 |
Source: Minnehaha County records · APN 01-22-26-428-007-000
Assessment roll updated July 16, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4408 E PEPPER RIDGE CIR, SIOUX FALLS, SD 57103-6513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 02, 2024 | Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 04, 2022 | Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Feb 25, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST BANK & TRUST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 02, 2024 · Amount on Record |
| Deed Sale | Apr 02, 2024 · Amount on Record |
| Deed Book / Page | 625-D / 81 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MINNEHAHA SD |
| Property Address | 4408 E PEPPER RIDGE CIR, SIOUX FALLS, SD 57103-6513 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2024 |
| Name | Verified Name |
|---|
| Document Number | MTG1982/198 |
|---|---|
| Date | Apr 02, 2024 |
| Book Page | MTG 1982/198 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 4201 MARSH LN, CARROLLTON, TX 75007 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MINNEHAHA SD |
| Recording Date | May 04, 2022 |
| Property Address | 4408 E PEPPER RIDGE CIR, SIOUX FALLS, SD 57103-6513 |
| Document Number | 613DEED/251 |
| Book / Page | 613 DEED / 251 |
| Instrument Date | May 02, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jun 24, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4408 E PEPPER RIDGE CIR, SIOUX FALLS, SD 57103-6513 |
| Document Number | 1951MTG821 |
|---|---|
| Date | May 04, 2022 |
| Instrument | 1951 MTG/821 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Number | 1951MTG/825 |
|---|---|
| Date | May 04, 2022 |
| Book Page | 1951 MTG/825 |
| Name | SOUTH DAKOTA HOUSING DEVELOPMENT AUTHORI |
|---|---|
| Type | Government Agency |
| Address | PIERRE, SD 57501 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MINNEHAHA SD |
| Property Address | 4408 E PEPPER RIDGE CIR, SIOUX FALLS, SD 57103-6513 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2020 |
| Name | Verified Name |
|---|
| Document Number | 1878MTG/330 |
|---|---|
| Date | Feb 25, 2020 |
| Book Page | 1878 MTG/330 |
| Name | FIRST BANK & TRUST |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Minnehaha County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | South Dakota |
| County | Minnehaha County |
| Municipality | Sioux Falls City |
| Unified School District | Sioux Falls School District 49-5 (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,008.00 | $223,000 (+7.37%) Land $33,700 Building $189,300 |
| 2024 | $3,008.00 (+17.18%) | $207,700 (+21.39%) Land $33,700 Building $174,000 |
| 2022 | $2,567.00 | $171,100 Land $33,700 Building $137,400 |
Source: FEMA National Flood Hazard Layer as of May 2, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of South Dakota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 2,000 / 350 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Clarity Telecom.
Based on FCC filings for 506 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SIOUX FALLS serves 216,462 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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