4505 S River Oaks Dr, Sioux Falls, SD 57105 Property Records

Minnehaha County property record for 4505 S River Oaks Dr, Sioux Falls, SD 57105 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,103 sqft · built 1992
Lot Size	0.404 acres (17,598 sqft)
Owner	2 Trust Names on File
Last Sale	$435,000 (Jul 2021)
Tax Bill	$5,868 (2025)
Deeds & Mortgages	May 2022 Mortgage Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-33-476-003-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-33-476-003-000`
Alternative APN	`57293`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,103 sqft Finished Area
1st Floor Area	1,415 sqft
Upper Floors Area	684 sqft
Basement Area	1,205 sqft
Finished Basement	850 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,598 sqft (0.404 acres)
Lot Dimensions	204 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	33 sqft
Deck Area	Deck Area
Patio Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	57293
Street Address	4505 S RIVER OAKS DR
City	SIOUX FALLS
State	SD
Zip	57105-7036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLOCK 2 RIVER OAKS ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	RIVER OAKS ADDN
Legal Block	2
Legal Lot Number	3
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	2
Census Block	2029
Census Tract	1902

Owner

Source: Minnehaha County records · APN 01-22-33-476-003-000

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	2 Trust Names on File
Mailing Address	4505 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage BLUESTONE FCU
Aug 31, 2021	Deed of Trust, Mortgage · Line of Credit FIRST PREMIER BANK
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage CU MORTGAGE DIRECT LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Deed Book / Page	606-D / 412
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	4505 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1952MTG/843
Date	May 18, 2022
Book Page	1952 MTG/843

Lender

Name	BLUESTONE FCU
Type	Credit Union
Address	SIOUX FALLS, SD 57109

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 15, 2037

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	4505 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4505 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036

Mortgage

Document Number	1932MTG/1019
Date	Aug 31, 2021
Book Page	1932 MTG/1019

Lender

Name	FIRST PREMIER BANK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Jul 16, 2021
Property Address	4505 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036
Document Number	606DEED/412
Book / Page	606 DEED / 412
Instrument Date	Jul 15, 2021
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4505 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036

Mortgage

Document Number	1928MTG373
Date	Jul 16, 2021
Instrument	1928 MTG/373

Lender

Name	CU MORTGAGE DIRECT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

Tax Assessment & Valuation

Source: Minnehaha County records · Assessment roll updated July 16, 2026 · Last verified July 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

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$5,868.00	$431,500 (+2.52%) Land $61,900 Building $369,600
2024	$5,868.00 (+3.07%)	$420,900 (+11.26%) Land $61,900 Building $359,000
2022	$5,693.00	$378,300 Land $48,500 Building $329,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Minnehaha County (46099C), updated May 2, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 460990019022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
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, river or lake flooding, Severe Storms, Straight-line Winds, And Flooding
Claims By Storm	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

Wildfire

Wildfire Risk	Low above 2% of the US · above 4% of South Dakota
Wildfire Likelihood	Less than 1 in 10,000 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 311 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Clarity Telecom	Fiber	5,000 / 5,000
Midcontinent Communications	Cable	2,000 / 350
Verizon	Fixed Wireless	300 / 20

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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