620 N Franklin Ave, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 620 N Franklin Ave, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 916 sqft · built 1900
Lot Size	0.141 acres (6,159 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Mar 2023)
Tax Bill	$1,685 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Nov 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-16-254-004-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-16-254-004-000`
Alternative APN	`46251`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	916 sqft Finished Area
Gross Area	913 sqft
1st Floor Area	656 sqft
Upper Floors Area	257 sqft
Attic	Attic
Attic Area	257 sqft
Basement Area	572 sqft
Finished Basement	458 sqft
Family Room	Family Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,159 sqft (0.141 acres)
Lot Dimensions	140 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	192 sqft
Parking Spaces	1 Parking Space
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	46251
Street Address	620 N FRANKLIN AVE
City	SIOUX FALLS
State	SD
Zip	57103-0830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLOCK 58 SHAWS SIOUX FALLS ADDN
Legal Subdivision	SHAWS SIOUX FALLS ADDN
Legal Block	58
Legal Lot Number	6
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	2
Census Block	2020
Census Tract	300

Owner

Source: Minnehaha 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	Individual Name on Record
Mailing Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOUSING DEVELOPMENT AUTHORITY
Nov 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK
Mar 17, 2023	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Jul 10, 2019	Affidavit of Death of Joint Tenant, Transfer
Jul 10, 2019	Affidavit of Death of Joint Tenant, Transfer
Jul 10, 2019	Warranty Deed, Transfer · Conventional Mortgage METABANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2023 · Amount on Record
Deed Sale	Mar 17, 2023 · Amount on Record
Prior Sale	Jul 10, 2019 · Amount on Record
Deed Book / Page	618-D / 934
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1967MTG/220
Date	Mar 17, 2023
Book Page	1967 MTG/220

Lender

Name	HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	PIERRE, SD 57501

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1962MTG/812
Date	Nov 17, 2022
Book Page	1962 MTG/812

Lender

Name	CENTRAL BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	7%
Max Rate At Change	9%
Index	1-Year T-Bill
Margin	4
Max Rate	13%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Mar 17, 2023
Property Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Document Number	618DEED/934
Book / Page	618 DEED / 934
Instrument Date	Mar 15, 2023
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830

Mortgage

Document Number	1967MTG/216
Date	Mar 17, 2023
Book Page	1967 MTG/216

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

July 2019: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MINNEHAHA SD
Recording Date	Jul 10, 2019
Property Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Document Number	289MISC/562
Book / Page	289 MISC / 562
Instrument Date	Jul 10, 2019
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 S WILLOW AVE, SIOUX FALLS, SD 57105-2529

July 2019: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MINNEHAHA SD
Recording Date	Jul 10, 2019
Property Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Document Number	289MISC/559
Book / Page	289 MISC / 559
Instrument Date	Jul 10, 2019
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 S WILLOW AVE, SIOUX FALLS, SD 57105-2529

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Jul 10, 2019
Property Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Document Number	590DEED/0202
Book / Page	590 DEED / 0202
Instrument Date	Jul 8, 2019
Transaction Type	Transfer
Record Updated	Jun 14, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1813 S WILLOW AVE, SIOUX FALLS, SD 57105-2529

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	620 N FRANKLIN AVE, SIOUX FALLS, SD 57103-0830
Investor	Possibly a Property Investor

Mortgage

Document Number	1862MTG/525
Date	Jul 10, 2019
Book Page	1862 MTG/525

Lender

Name	METABANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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		$127,285 (+4.5%) Land $19,978 Building $107,307	$127,285 Land $19,978 Building $107,307
2025	$1,685.00	$121,800 (-6.95%) Land $20,200 Building $101,600
2024	$1,685.00 (-0.94%)	$130,900 (+46.91%) Land $16,900 Building $114,000
2022	$1,701.00	$89,100 Land $13,100 Building $76,000

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 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	3 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98% 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 167 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
Starlink Satellite	280 / 30

May also be available: Bluepeak.

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