707 S Phillips Ave, Sioux Falls, SD 57104 Property Records

Minnehaha County property record for 707 S Phillips Ave, Sioux Falls, SD 57104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,552 sqft · built 1905
Lot Size	0.145 acres (6,321 sqft)
Owner	2 Trust Names on Record
Tax Bill	$4,580 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-21-153-014-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-21-153-014-000`
Alternative APN	`27875`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,552 sqft Finished Area
1st Floor Area	776 sqft
Upper Floors Area	776 sqft
Basement Area	676 sqft
Finished Basement	270 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,321 sqft (0.145 acres)
Lot Dimensions	158 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	27875
Street Address	707 S PHILLIPS AVE
City	SIOUX FALLS
State	SD
Zip	57104-4910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	C O BAILEYS SUB 4 BLOCK 3 CARPENTER`S, C.C. ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	BAILEYS SUB
Legal Block	3
Legal Lot Number	4
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	2
Census Block	2001
Census Tract	600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the All Saints Historic District listed 1984 · 374 contributing resources · NRIS 84003349

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Trust Names on Record
Mailing Address	707 S PHILLIPS AVE, SIOUX FALLS, SD 57104-4910
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Deed of Trust, Mortgage · Line of Credit HIWAY CU
Dec 12, 2022	Warranty Deed, Transfer · Conventional Mortgage HIWAY CU
Dec 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK IN SIOUX FALLS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	707 S PHILLIPS AVE, SIOUX FALLS, SD 57104-4910
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1965MTG/149
Date	Jan 13, 2023
Book Page	1965 MTG/149

Lender

Name	HIWAY CU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Jan 31, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Dec 12, 2022
Property Address	707 S PHILLIPS AVE, SIOUX FALLS, SD 57104-4910
Document Number	617DEED/755
Book / Page	617 DEED / 755
Instrument Date	Dec 9, 2022
Transaction Type	Transfer
Record Updated	Jan 20, 2023
Title Company	GETTY ABSTRACT AND TITLE COMPANY, GETTY ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	707 S PHILLIPS AVE, SIOUX FALLS, SD 57104-4910

Mortgage

Document Number	1963MTG817
Date	Dec 12, 2022
Instrument	1963 MTG/817

Lender

Name	HIWAY CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	11.7%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	707 S PHILLIPS AVE, SIOUX FALLS, SD 57104-4910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1874MTG/0546
Date	Dec 20, 2019
Book Page	1874 MTG/0546

Lender

Name	THE FIRST NATIONAL BANK IN SIOUX FALLS
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2030

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		$355,348 (+3.18%) Land $30,066 Building $325,282	$355,348 Land $30,066 Building $325,282
2025	$4,580.00	$344,400 (+11.28%) Land $30,400 Building $314,000
2024	$4,580.00 (+32.98%)	$309,500 (+33.18%) Land $30,400 Building $279,100
2022	$3,444.00	$232,400 Land $30,400 Building $202,000

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

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	Not rated no burnable land within 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 500 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Bluepeak Fiber · Cable in parts of the area	5,000 / 5,000
Midco Fiber · Cable in parts of the area	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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