821 S Highland Ave, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 821 S Highland Ave, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 936 sqft · built 1963
Lot Size	0.159 acres (6,913 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Jul 2024)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Jun 2023 Line of Credit + 3 more
Flood Zone	Zone AE (high risk)
APN	`01-22-22-176-002-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-22-176-002-000`
Alternative APN	`51196`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	936 sqft Finished Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	468 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Bi-Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,913 sqft (0.159 acres)
Lot Dimensions	138 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	51196
Street Address	821 S HIGHLAND AVE
City	SIOUX FALLS
State	SD
Zip	57103-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FP;FP
Legal Description	RONNINGS SUB 19 VAN EPS 2ND ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	RONNINGS SUB
Legal Lot Number	19
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	1
Census Block	1032
Census Tract	500

Owner

Source: Minnehaha County records, as of July 16, 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	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK & TRUST
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit FRONTIER BANK
Nov 3, 2023	Deed of Trust, Mortgage · Line of Credit FRONTIER BANK
Jul 19, 2024	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK
Nov 3, 2023	Deed of Trust, Mortgage · Line of Credit FRONTIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2024 · Amount on Record
Deed Sale	Jul 19, 2024 · Amount on Record
Prior Sale	Aug 15, 2018 · Amount on Record
Deed Book / Page	627-D / 119
Prior Transfer Date	Jul 31, 2018
Prior Transfer Doc	0584000561
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1845MTG/465
Date	Aug 15, 2018
Book Page	1845 MTG/465

Lender

Name	FIRST BANK & TRUST
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240
Investor	Possibly a Property Investor

Mortgage

Document Number	1971MTG/370
Date	Jun 26, 2023
Book Page	1971 MTG/370

Lender

Name	FRONTIER BANK
Type	Bank
Address	SIOUX FALLS, SD 57108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 16, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240

Mortgage

Document Number	001977/638
Date	Nov 3, 2023
Book Page	1977/638

Lender

Name	FRONTIER BANK
Type	Bank
Address	3501 W 57TH ST, SIOUX FALLS, SD 57108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Jul 19, 2024
Property Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240
Document Number	DEEDS627/119
Book / Page	DEEDS627 / 119
Instrument Date	Jul 15, 2024
Transaction Type	Transfer
Record Updated	May 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240

Mortgage

Document Number	MTG1986913
Date	Jul 19, 2024
Instrument	MTG 1986/913

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 S HIGHLAND AVE, SIOUX FALLS, SD 57103-2240

Mortgage

Document Number	001977/638
Date	Nov 3, 2023
Book Page	1977/638

Lender

Name	FRONTIER BANK
Type	Bank
Address	3501 W 57TH ST, SIOUX FALLS, SD 57108

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
2025	$2,488.00	$182,500 (-0.82%) Land $16,200 Building $166,300
2024	$2,488.00 (-8.39%)	$184,000 (+27.16%) Land $32,300 Building $151,700
2022	$2,716.00	$144,700 Land $25,900 Building $118,800

Assessed value is set for property tax purposes and is not a market price estimate.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	14 (1984–2024)
Claims Outside the SFHA	9 of 14
Most Recent Claim	Jun 2024 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2024 · 3 claims Severe Winter Storm, Snowstorm, And Flooding, Mar 2019 · 4 claims Severe Storms And Flooding, Sep 2010 · 3 claims

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 80% of the US · lower than 85% of South Dakota
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 281 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Bluepeak.

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