1427 W Charles St, Spearfish, SD, 57783
About This Home
For more information, please contact listing agents Heath Gran 605-209-2052 or Scot Munro 605-641-6482 with Great Peaks Realty. Welcome to this charming 5-bedroom, 3.5-bathroom home situated on a 0.49-acre lot with a warranty steel shingle roof through 2054. As you step inside, you'll immediately notice the abundance of natural light and the unique arched windows that add character throughout the main living spaces. The kitchen features granite countertops, a large center island, ample cabinet space, and beautiful windows to sprawling views overlooking Spearfish and Lookout Mountain! Just off the kitchen, you'll find the open Trex deck, while the dining area offers access to the covered patio, providing two great outdoor spaces for relaxing or entertaining. The living room presents a cozy fireplace, main level also features a dedicated office, laundry room, and attached 3-car garage. The primary suite includes access to the covered patio, a walk-in closet with built-in organizers, and an ensuite bathroom with dual a soaker tub and a tiled walk-in shower. Two additional bedrooms, a full bathroom, and a half bathroom complete the main level. Downstairs, you'll find a spacious family room, two additional bedrooms, and a full bathroom, offering plenty of room for family, guests, or hobbies. With five bedrooms, multiple living areas, and inviting indoor and outdoor spaces, this home offers a functional layout with plenty of room to enjoy! Home includes whole house surge protector.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1997
Materials
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Site Built
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Refrigerator,Electric Range Oven,Microwave,Washer,Dryer,Water Softener Owned
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Full,Crawl Space,Finished
Bedroom2
- Level: Main
- Area: 154
Bedroom3
- Level: Main
- Area: 110
Bedroom4
- Level: Basement
- Area: 156
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bedrooms: 3
Dining Room
- Level: Main
- Area: 208
Features
- Vaulted Ceiling(s),Walk-In Closet(s),Ceiling Fan(s),Granite Counters,Office
- Flooring: Carpet,Tile,Vinyl
- Number of fireplaces: 1
- Fireplace features: One,Gas Log,Living Room
- Fireplace: Yes
Heating & Cooling
- Heating features: Natural Gas,Electric,Forced Air,Baseboard
- Cooling features: Refrig. C/Air
Interior Area
- Total structure area: 4,082
- Total interior livable area: 4,082 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
- Area: 312
Master Bedroom
- Level: Main
- Area: 195
Property
Details
- Parcel number: 326520020008000
Features
- Patio & porch: Porch Covered,Open Patio,Covered Patio,Open Deck
- Has view: Yes
Lot
- Lot size: 0.49 Acres
- Features: Cul-De-Sac,Views,Lawn,Trees,View
Parking
- Total spaces: 3
- Parking features: Three Car,Attached
- Has garage: Yes
- Attached garage spaces: 3
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Wildfire
- Winter Weather
- Cold Wave
- Hail
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters in Lawrence County and South Dakota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,412 | $40,944 |
| Home Insurance | $349 | $4,188 |
| Property Taxes | $581 | $6,972 |
| Electricity | $311 | $3,741 |
| Total | $4,653 | $55,836 |
Income You'd Need if You Spent...
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Listed for sale | $674,900 |
| 2026-08-15 | Contingent | $674,900 |
| 2026-07-23 | Price change | $674,900 |
| 2026-07-10 | Listed for sale | $695,000 |
View on Zillow