905 N Cliff Ave, Sioux Falls, SD 57103 Property Records

Minnehaha County property record for 905 N Cliff Ave, Sioux Falls, SD 57103

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1912
Lot Size	0.129 acres (5,611 sqft)
Owner	Individual Name on Record
Last Sale	$164,500 (Jul 2024)
Tax Bill	$1,530 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Aug 2020 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-22-16-228-020-000`

Property Details

APN / Parcel Number

Primary APN	`01-22-16-228-020-000`
Alternative APN	`32818`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Finished Area
1st Floor Area	768 sqft
Basement Area	416 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,611 sqft (0.129 acres)
Lot Dimensions	127 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	32818
Street Address	905 N CLIFF AVE
City	SIOUX FALLS
State	SD
Zip	57103-0129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(EX H-1) 10 BLOCK 1 GAMBERG`S 2ND ADDN TO SIOUX FALLS
Legal Subdivision	GAMBERG`S 2ND ADDN
Legal Block	1
Legal Lot Number	10
Jurisdiction	MINNEHAHA SD
Township / Civil Division	SIOUX FALLS
Census Block Group	2
Census Block	2013
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	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2018	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit BANK MIDWEST
Aug 11, 2020	Deed of Trust, Mortgage · Line of Credit BANK MIDWEST
May 14, 2015	Deed of Trust, Mortgage · Line of Credit BAK MIDWEST
Jul 31, 2024	Deed of Trust, Mortgage PLAINS COMMERCE BANK
May 14, 2015	Deed of Trust, Mortgage · Line of Credit BANK MIDWEST
Jul 31, 2024	Deed of Trust, Mortgage · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2024 · Amount on Record
Deed Sale	Jul 31, 2024 · Amount on Record
Prior Sale	Oct 9, 2018 · Amount on Record
Deed Book / Page	627-D / 308
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1848MTG/558
Date	Oct 9, 2018
Book Page	1848 MTG/558

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 N CLIFF AVE 111, 111, SIOUX FALLS, SD 57103-0131

Mortgage

Document Number	1894MTG/368
Date	Aug 11, 2020
Book Page	1894 MTG/368

Lender

Name	BANK MIDWEST
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	58 Months
Due	Jun 1, 2025

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	950 N CLIFF AVE 11, 11, SIOUX FALLS, SD 57103-0125

Mortgage

Document Number	1894MTG/367
Date	Aug 11, 2020
Book Page	1894 MTG/367

Lender

Name	BANK MIDWEST
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	58 Months
Due	Jun 1, 2025

Interest

Rate Type	Adjustable Rate

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 S MAC ARTHUR LN 102, 102, SIOUX FALLS, SD 57108-5407

Mortgage

Document Number	001776/187
Date	May 14, 2015
Book Page	1776/187
Instrument	R510282

Lender

Name	BAK MIDWEST
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	19 Months
Due	Dec 1, 2016

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG1987/292
Date	Jul 31, 2024
Book Page	MTG 1987/292

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	3905 W 49TH ST # 22, SIOUX FALLS, SD 57106

Agreement

Amount	Amount Recorded

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 S MAC ARTHUR LN 102, 102, SIOUX FALLS, SD 57108-5407

Mortgage

Document Number	001776/188
Date	May 14, 2015
Book Page	1776/188
Instrument	R510283

Lender

Name	BANK MIDWEST
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	19 Months
Due	Dec 1, 2016

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MINNEHAHA SD
Property Address	905 N CLIFF AVE, SIOUX FALLS, SD 57103-0129
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 W SIOUX ST, SIOUX FALLS, SD 57104-4138

Mortgage

Document Number	MTG1987/290
Date	Jul 31, 2024
Book Page	MTG 1987/290

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	3905 W 49TH ST, SIOUX FALLS, SD 57106

Agreement

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

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		$97,219 (-11.78%) Land $18,791 Building $78,428	$97,219 Land $18,791 Building $78,428
2025	$1,530.00	$110,200 (+7.93%) Land $19,000 Building $91,200
2024	$1,530.00 (+34.09%)	$102,100 (+40.05%) Land $15,800 Building $86,300
2022	$1,141.00	$72,900 Land $12,300 Building $60,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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 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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