4511 S River Oaks Dr, Sioux Falls, SD 57105 Property Records

Minnehaha County property record for 4511 S River Oaks Dr, Sioux Falls, SD 57105

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,734 sqft · built 1987
Lot Size	0.276 acres (12,023 sqft)
Owner	2 Trust Names on Record
Last Sale	$410,000 (Aug 2021)
Tax Bill	$5,739 (2025)
Deeds & Mortgages	Oct 2018 Second Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-33-476-006-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-33-476-006-000`
Alternative APN	`57296`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	1,734 sqft Finished Area
1st Floor Area	1,734 sqft
Basement Area	1,626 sqft
Finished Basement	830 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,023 sqft (0.276 acres)
Lot Dimensions	139 ft deep x 86 ft wide
Garage Type	Mixed
Garage Area	136 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	200 sqft
Deck Area	330 sqft
Patio Area	592 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	57296
Street Address	4511 S RIVER OAKS DR
City	SIOUX FALLS
State	SD
Zip	57105-7036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 2 RIVER OAKS ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	RIVER OAKS ADDN
Legal Block	2
Legal Lot Number	6
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	2
Census Block	2029
Census Tract	1902

Owner

Source: Minnehaha County records, as of September 23, 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 Record
Mailing Address	4511 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
Oct 15, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SIOUX FALLS FCU
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 27, 2020	Warranty Deed, Transfer · Stand-Alone Second Mortgage HOUSING DEVELOPMENT AUTHORITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Prior Sale	May 27, 2020 · Amount on Record
Deed Book / Page	607-D / 392
Prior Transfer Date	Jan 9, 2015
Prior Transfer Doc	001769/473
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	4511 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1848MTG/990
Date	Oct 15, 2018
Book Page	1848 MTG/990

Lender

Name	SIOUX FALLS FCU
Type	Credit Union
Address	SIOUX FALLS, SD 57104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 15, 2028

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Aug 18, 2021
Property Address	4511 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036
Document Number	607DEED/392
Book / Page	607 DEED / 392
Instrument Date	Aug 5, 2021
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
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	4511 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036

Mortgage

Document Number	1931MTG688
Date	Aug 18, 2021
Instrument	1931 MTG/688

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	May 27, 2020
Property Address	4511 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036
Document Number	596DEED/209
Book / Page	596 DEED / 209
Instrument Date	May 22, 2020
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Amount	Amount Recorded
Tax	$331.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3901 S GRAND SLAM PL APT 14, 3901, SIOUX FALLS, SD 57110-4819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4511 S RIVER OAKS DR, SIOUX FALLS, SD 57105-7036

Mortgage

Document Number	1885MTG961
Date	May 27, 2020
Instrument	1885 MTG/961

Lender

Name	HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	1885MTG/954
Date	May 27, 2020
Book Page	1885 MTG/954

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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		$437,435 (+2.68%) Land $62,505 Building $374,930	$437,435 Land $62,505 Building $374,930
2025	$5,739.00	$426,000 (+10.65%) Land $46,900 Building $379,100
2024	$5,739.00 (-0.43%)	$385,000 (+0.39%) Land $46,900 Building $338,100
2022	$5,764.00	$383,500 Land $39,800 Building $343,700

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

Flood

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 Record 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

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

Wildfire Risk	Low lower than 93% of the US · lower than 89% of South Dakota
Wildfire Likelihood	0.02% 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 311 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber	5,000 / 5,000
Midco Cable	2,000 / 350
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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