528 N Cliff Ave, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 528 N Cliff Ave, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,428 sqft · built 1940
Lot Size	0.123 acres (5,354 sqft)
Owner	Company Name on File
Last Sale	$125,000 (Nov 2018)
Tax Bill	$2,352 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-22-15-154-002-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-15-154-002-000`
Alternative APN	`38423`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,428 sqft Finished Area
1st Floor Area	840 sqft
Upper Floors Area	588 sqft
Basement Area	840 sqft
Finished Basement	630 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,354 sqft (0.123 acres)
Lot Dimensions	124 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	38423
Street Address	528 N CLIFF AVE
City	SIOUX FALLS
State	SD
Zip	57103-0848
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(EX H-1) 36 & S 18` 37 BLOCK 2 LAWLER`S ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	LAWLER`S ADDN
Legal Block	2
Legal Lot Number	37
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	3
Census Block	3021
Census Tract	300

Owner

528 N Cliff Ave is owned by a company that bought it in November 2018.

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

Owner of Record	Company Name on File
Mailing Address	528 N CLIFF AVE, SIOUX FALLS, SD 57103-0848
Owner Type	Company

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
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Nov 7, 2018	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018 · Amount on File
Deed Sale	Nov 7, 2018 · Amount on File
Prior Sale	May 29, 2014 · Amount on File
Deed Book / Page	586-D / 0225
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	528 N CLIFF AVE, SIOUX FALLS, SD 57103-0848
Transaction Type	Mortgage
Record Updated	Feb 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1908MTG/460
Date	Dec 16, 2020
Book Page	1908 MTG/460

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	528 N CLIFF AVE, SIOUX FALLS, SD 57103-0848
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1850MTG/0227
Date	Nov 7, 2018
Book Page	1850 MTG/0227

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 528 N Cliff Ave was $2,352.

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		$176,339 (+1.52%) Land $19,187 Building $157,152	$176,339 Land $19,187 Building $157,152
2025	$2,352.00	$173,700 (+6.17%) Land $19,400 Building $154,300
2024	$2,352.00	$163,600 Land $15,400 Building $148,200
2022	$1,836.00	$121,300 Land $11,700 Building $109,600

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

Flood

FEMA maps place 528 N Cliff Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 2, 2024

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 528 N Cliff Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.5% of South Dakota
Wildfire Likelihood	Under 0.01% 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 671 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Cable in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Bluepeak.

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