4908 Saratoga Dr, Black Hawk, SD 57718 Property Records

Meade County property record for 4908 Saratoga Dr, Black Hawk, SD 57718

Property Summary

Property Type	Single Family Home
Details	4 bd · built 1985
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Tax Bill	$2,387 (2025)
Deeds & Mortgages	Dec 2024 Sale Jun 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20.55.05.14`

Property Details

APN / Parcel Number

Primary APN	`20.55.05.14`

Interior

Bedrooms	4 Beds

Exterior

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

Location & Zoning

Street Address	4908 SARATOGA DR
City	BLACK HAWK
State	SD
Zip	57718-9767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHDALE SUB LOT 14 BLK 5
Legal Range	07
Legal Township	02
Legal Section	08
Legal Subdivision	NORTHDALE SUB
Legal Block	5
Legal Lot Number	14
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4908 SARATOGA DR, BLACK HAWK, SD 57718-9767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2024	Warranty Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit NORTHERN HILLS FCU
Jun 20, 2023	Intrafamily Transfer, Transfer · Line of Credit NORTHERN HILLS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 30, 2014
Transfer Doc	000853/507
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Dec 13, 2024
Property Address	4908 SARATOGA DR, BLACK HAWK, SD 57718-9767
Document Number	00980/1766
Book / Page	980 / 1766
Map Reference	MB 12 PG 70
Instrument Date	Dec 12, 2024
Instrument	24006732
Transaction Type	Transfer
Record Updated	Jan 16, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4908 SARATOGA DR, BLACK HAWK, SD 57718-9767

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	4908 SARATOGA DR, BLACK HAWK, SD 57718-9767
Transaction Type	Mortgage
Record Updated	Jul 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000976/243
Date	Jun 20, 2023
Book Page	976/243
Instrument	23003387

Lender

Name	NORTHERN HILLS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2038

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MEADE SD
Recording Date	Jun 20, 2023
Property Address	4908 SARATOGA DR, BLACK HAWK, SD 57718-9767
Document Number	00967/1374
Book / Page	967 / 1374
Map Reference	MB 12 PG 70
Instrument Date	Jun 13, 2023
Instrument	23003386
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4908 SARATOGA DR, BLACK HAWK, SD 57718-9767

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4908 SARATOGA DR, BLACK HAWK, SD 57718-9767

Mortgage

Document Number	0023003387
Date	Jun 20, 2023
Instrument	23003387

Lender

Name	NORTHERN HILLS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2038

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		$250,482 (+4.18%) Land $39,583 Building $210,899	$250,482 (+4.18%) Land $39,583 Building $210,899
2025	$2,387.00 (-1.32%) Additional exemption filed	$240,439 (-) Land $39,583 Building $200,856	$240,439 Land $39,583 Building $200,856
2024	$2,419.00 (+11.07%) Additional exemption filed	$240,439 (+15.85%) Land $39,583 Building $200,856
2023		$207,543 (+17.03%) Land $36,842 Building $170,701
2022	$2,178.00	$177,339 Land $35,088 Building $142,251

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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