5404 W Clay St, Sioux Falls, SD 57106 Property Records

Minnehaha County property record for 5404 W Clay St, Sioux Falls, SD 57106

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 922 sqft · built 1991
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Mar 2021)
Tax Bill	$3,155 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-21-23-277-021-000`

Property Details

APN / Parcel Number

Primary APN	`01-21-23-277-021-000`
Alternative APN	`55822`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	922 sqft Finished Area
1st Floor Area	922 sqft
Basement Area	864 sqft
Finished Basement	691 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	111 ft deep x 70.2 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	55822
Street Address	5404 W CLAY ST
City	SIOUX FALLS
State	SD
Zip	57106-0201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 BLOCK 4 SILVER VALLEY 2ND ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	SILVER VALLEY 2ND ADDN
Legal Block	4
Legal Lot Number	21
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	1
Census Block	1029
Census Tract	1002

Owner

5404 W Clay St is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	5404 W CLAY ST, SIOUX FALLS, SD 57106-0201
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 22, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 11, 2018	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2021 · Amount on File
Deed Sale	Mar 22, 2021 · Amount on File
Prior Sale	Jul 11, 2018 · Amount on File
Deed Book / Page	603-D / 545
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Mar 22, 2021
Property Address	5404 W CLAY ST, SIOUX FALLS, SD 57106-0201
Document Number	603DEED/545
Book / Page	603 DEED / 545
Instrument Date	Mar 3, 2021
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5404 W CLAY ST, SIOUX FALLS, SD 57106-0201

Mortgage

Document Number	1917MTG712
Date	Mar 22, 2021
Instrument	1917 MTG/712

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Jul 11, 2018
Property Address	5404 W CLAY ST, SIOUX FALLS, SD 57106-0201
Document Number	000583/821
Book / Page	583 / 821
Instrument Date	Jun 15, 2018
Instrument	816008
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE CO

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 5404 W Clay St was $3,155.

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		$243,986 (+5.35%) Land $21,659 Building $222,327	$243,986 Land $21,659 Building $222,327
2025	$3,155.00	$231,600 (-5.47%) Land $21,900 Building $209,700
2024	$3,155.00	$245,000 Land $21,900 Building $223,100
2022	$2,967.00	$196,400 Land $21,900 Building $174,500

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

Flood

FEMA maps place 5404 W Clay St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 5404 W Clay St 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 98% of the US · lower than 96% 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 421 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 1,000
Bluepeak Cable · Fiber in parts of the area	1,000 / 30

May also be available: Verizon.

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