4912 Saratoga Dr, Black Hawk, SD 57718 Property Records

Meade County property record for 4912 Saratoga Dr, Black Hawk, SD 57718

Property Summary

Property Type	Single Family Home
Details	2 bd · built 1993
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$168,900 (Mar 2017)
Tax Bill	$2,677 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Feb 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20.55.05.15`

Property Details

APN / Parcel Number

Primary APN	`20.55.05.15`

Interior

Bedrooms	2 Beds

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Lot Area	10,454 sqft (0.24 acres)

Location & Zoning

Street Address	4912 SARATOGA DR
City	BLACK HAWK
State	SD
Zip	57718-9767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHDALE SUB LOT 15 BLK 5 ASSESSED EQUALIZED LOCAL COUNTY STATE EXEMPT ACRES UNITS VALUE VALUE BOARD BOARD BOARD AMOUNT
Legal Range	07
Legal Township	02
Legal Section	08
Legal Subdivision	NORTHDALE SUB
Legal Block	5
Legal Lot Number	15
Jurisdiction	MEADE SD
Township / Civil Division	SOUTHWEST MEADE
Census Block Group	2
Census Block	2054
Census Tract	20303

Owner

4912 Saratoga Dr is owned and occupied by an individual who bought it in March 2017.

Source: Meade County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	4912 SARATOGA DR, BLACK HAWK, SD 57718-9767
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage ASPEN FCU
Feb 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNIFY HOME LENDING INC
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Mar 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage LEND SMART MORTGAGE LLC
Mar 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2017 · Amount on File
Deed Sale	Mar 16, 2017 · Amount on File
Prior Sale	May 7, 2008
Deed Document Number	20171588
Deed Book / Page	877 / 1546
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	4912 SARATOGA DR, BLACK HAWK, SD 57718-9767
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00983/1319
Date	Mar 26, 2024
Book Page	983/1319
Instrument	24001489

Lender

Name	ASPEN FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2039

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	4912 SARATOGA DR, BLACK HAWK, SD 57718-9767
Transaction Type	Mortgage
Record Updated	Feb 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000960/609
Date	Feb 7, 2022
Book Page	960/609
Instrument	22000811

Lender

Name	UNIFY HOME LENDING INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	4912 SARATOGA DR, BLACK HAWK, SD 57718-9767
Transaction Type	Mortgage
Record Updated	Sep 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	950/1463
Date	Aug 31, 2021
Book Page	950/1463
Instrument	21006721

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MEADE SD
Property Address	4912 SARATOGA DR, BLACK HAWK, SD 57718-9767
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	886/978
Date	Mar 16, 2017
Book Page	886/978
Instrument	17001589

Lender

Name	LEND SMART MORTGAGE LLC
Type	Lending Institution
Address	SAINT PAUL, MN 55126

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MEADE SD
Recording Date	Mar 16, 2017
Property Address	4912 SARATOGA DR, BLACK HAWK, SD 57718-9767
Document Number	00877/1546
Book / Page	877 / 1546
Map Reference	PL 12 PG 70
Instrument Date	Mar 7, 2017
Instrument	17001588
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2021 ASH AVE, 2021, RAPID CITY, SD 57703-4107

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4912 SARATOGA DR, BLACK HAWK, SD 57718-9767

Tax Assessment & Valuation

The 2025 property tax bill for 4912 Saratoga Dr was $2,677, down 1.3% from the year before.

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		$281,026 (+4.25%) Land $40,454 Building $240,572	$281,026 (+4.25%) Land $40,454 Building $240,572
2025	$2,677.00 (-1.29%) Additional exemption filed	$269,570 Land $40,454 Building $229,116	$269,570 Land $40,454 Building $229,116
2024	$2,712.00
2023		$228,649 Land $36,842 Building $191,807
2022	$2,400.00

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

Flood

FEMA maps place 4912 Saratoga Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4912 Saratoga Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of 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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