904 S Gardner Dr, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 904 S Gardner Dr, Sioux Falls, SD 57103 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 922 sqft · built 1978
Lot Size	0.228 acres (9,923 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,342 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-22-23-255-003-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-23-255-003-000`
Alternative APN	`33876`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Building Area	922 sqft Finished Area
1st Floor Area	922 sqft
Basement Area	864 sqft
Finished Basement	650 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,923 sqft (0.228 acres)
Lot Dimensions	143 ft deep x 63.1 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	33876
Street Address	904 S GARDNER DR
City	SIOUX FALLS
State	SD
Zip	57103-3029
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 BLOCK 18 GRANDVIEW PARK ADDN TO CITY OF SIOUX FALLS
Legal Subdivision	PARK ADDN
Legal Block	18
Legal Lot Number	29
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	1
Census Block	1004
Census Tract	407

Owner

Source: Minnehaha County records · APN 01-22-23-255-003-000

Assessment roll updated July 16, 2026 · Last verified July 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 File
Mailing Address	904 S GARDNER DR, SIOUX FALLS, SD 57103-3029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Corporate Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 04, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 29, 2022	Deed of Trust, Mortgage · Line of Credit VOYAGE FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MINNEHAHA SD
Recording Date	Nov 04, 2022
Property Address	904 S GARDNER DR, SIOUX FALLS, SD 57103-3029
Document Number	617DEED/174
Book / Page	617 DEED / 174
Instrument Date	Oct 28, 2022
Transaction Type	Transfer
Record Updated	Dec 23, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$287.50
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	904 S GARDNER DR, SIOUX FALLS, SD 57103-3029

Mortgage

Document Number	1962MTG202
Date	Nov 04, 2022
Instrument	1962 MTG/202

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	904 S GARDNER DR, SIOUX FALLS, SD 57103-3029
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1960MTG/321
Date	Sep 29, 2022
Book Page	1960 MTG/321

Lender

Name	VOYAGE FCU
Type	Credit Union
Address	SIOUX FALLS, SD 57105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 26, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Minnehaha County records · Assessment roll updated July 16, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value
2025	$3,342.00	$243,900 (+8.74%) Land $35,600 Building $208,300
2024	$3,342.00 (+10.01%)	$224,300 (+12.26%) Land $35,600 Building $188,700
2022	$3,038.00	$199,800 Land $35,600 Building $164,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Minnehaha County (46099C), updated May 2, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 460990004071, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 5% of the US · above 8% of South Dakota
Wildfire Likelihood	About 1 in 9,091 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 391 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	2,000 / 1,000
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Midcontinent Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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