4904 Saratoga Dr, Black Hawk, SD 57718 Property Records

Meade County property record for 4904 Saratoga Dr, Black Hawk, SD 57718

Property Summary

Property Type	Single Family Home
Details	3 bd · built 1985
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Apr 2022)
Tax Bill	$3,128 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20.55.05.13`

Property Details

APN / Parcel Number

Primary APN	`20.55.05.13`

Interior

Bedrooms	3 Beds

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	4904 SARATOGA DR
City	BLACK HAWK
State	SD
Zip	57718-9767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHDALE SUB LOT 13 BLK 5
Legal Range	07
Legal Township	02
Legal Section	08
Legal Subdivision	NORTHDALE SUB
Legal Block	5
Legal Lot Number	13
Jurisdiction	MEADE SD
Township / Civil Division	SOUTHWEST MEADE
Census Block Group	2
Census Block	2054
Census Tract	20303

Owner

Source: Meade 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 Individual Names on Record
Mailing Address	4904 SARATOGA DR, BLACK HAWK, SD 57718-9767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 4, 2022	Warranty Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2022 · Amount on Record
Deed Sale	Apr 4, 2022 · Amount on Record
Deed Document Number	20222186
Deed Book / Page	952 / 1322
Prior Transfer Date	Dec 29, 2014
Prior Transfer Doc	00853/1195
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	4904 SARATOGA DR, BLACK HAWK, SD 57718-9767
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00905/1690
Date	Sep 19, 2018
Book Page	905/1690
Instrument	18005560

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 21, 2028

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Apr 4, 2022
Property Address	4904 SARATOGA DR, BLACK HAWK, SD 57718-9767
Document Number	00952/1322
Book / Page	952 / 1322
Map Reference	MB 12 PG 70
Instrument Date	Apr 1, 2022
Instrument	22002186
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
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	4904 SARATOGA DR, BLACK HAWK, SD 57718-9767

Mortgage

Document Number	00961/1911
Date	Apr 4, 2022
Book Page	961/1911
Instrument	22002187

Lender

Name	GATEWAY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Meade County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	South Dakota
County	Meade County
Unified School District	Rapid City School District 51-4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$328,831 (+4.37%) Land $39,583 Building $289,248	$328,831 (+4.37%) Land $39,583 Building $289,248
2025	$3,128.00 (-1.32%) Additional exemption filed	$315,057 (+12.84%) Land $39,583 Building $275,474	$315,057 Land $39,583 Building $275,474
2024	$3,170.00 (+8.15%)
2023		$279,195 Land $36,842 Building $242,353
2022	$2,931.00

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 5, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 57% of the US · above 50% of South Dakota
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	NORTHDALE SANITARY DISTRICT serves 1,075 people · EPA ID SD4600514
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Feb 2024
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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber in parts of the area	1,250 / 60
Bluepeak Cable · Fiber in parts of the area	1,000 / 30
Verizon Fixed Wireless	300 / 20
Wisp West Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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