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304 Saint Charles St, Rapid City, SD, 57701

4beds
3baths
2,524sqft
$434,900
$172price/sqft
$3,056/moest. monthly cost
$122,240/yrincome needed

About This Home

Updated and move in ready, this stunning ranch style home combines quality craftsmanship, stylish finishes and a prime central Rapid City location. Offering more than 2,500 square feet, the home features 4 bedrooms, 3 bathrooms and exceptional indoor and outdoor living spaces. Recent exterior updates include siding, roof, windows, exterior doors with built in blinds, mature trees, attractive landscaping and decorative rock accents on the spacious corner lot. Inside, the open concept main level features hardwood flooring, abundant natural light and a cozy gas fireplace in the living room. The remodeled kitchen is designed for both everyday living and entertaining with quartz countertops, ceiling height custom hickory cabinetry, newer stainless steel appliances, built in microwave, oven and a large center island with a gas cooktop. The spacious primary suite includes a walk in closet and updated en suite bathroom with a tiled walk in shower. An additional bedroom, updated full bathroom and convenient main level laundry complete the main floor. The finished basement adds a large family room with an illuminated wet bar, two additional bedrooms (one non-conforming), a remodeled bathroom with a corner walk in shower and an oversized mechanical/storage room with built in cabinetry and a second washer/dryer hookup. Outside, enjoy the covered patio with maintenance free finishes, recessed lighting, privacy fencing and hot tub hookups. The fenced backyard also offers garden space and room to relax or play. A detached two car garage provides extra storage for tools and recreational equipment. Conveniently located near schools, medical facilities, shopping, and downtown Rapid City, this exceptional home combines comfort, function, and modern style in one impressive package.

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
62
BikeBikeable

Schools

3/10
3/10
South Middle School - 36Grades 6-80.5 mi
2/10
Central High School - 41Grades 9-121.3 mi

Construction

Condition

  • Year built: 1948

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes

Bathroom

  • Features: Shower Only,Shower/Tub

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Combination

Features

  • Flooring: Carpet,Tile,Hardwood
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,524
  • Total interior livable area: 2,524 sqft

Property

Details

  • Parcel number: 3701377023

Features

  • Fencing: Chain Link,Back Yard
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 10,454 sqft
  • Features: Level,Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Detached,Two Car
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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

  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Winter Weather
Ice Storm

FEMA Declared Disasters in Pennington County and South Dakota

Flood
Severe Storm
Snowstorm
Straight Line Winds
Tornado
Winter Storm

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

MonthlyAnnual
Mortgage $2,199$26,388
Home Insurance $305$3,660
Property Taxes $360$4,320
Electricity $192$2,313
Total$3,056$36,672

Income You'd Need if You Spent...

35% on housing$104,777/yr
40% on housing$91,680/yr
45% on housing$81,493/yr

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.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.1%
2.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.9%
3.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$172This listing

vs Other Active Listings

Avg $/sqft

ZIP 57701$182
Pennington County$231

vs Homes Sold Last Month

Median $/sqft

ZIP 57701$187
Pennington County$202

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

DateEventPrice
2026-08-08Contingent$434,900
2026-07-28Listed for sale$434,900
2026-06-27Contingent$434,900
2026-06-01Listed for sale$434,900
2022-05-06Listing removed--
2022-05-03Listed for sale$415,000

For Sale by Agent

AgentMARIA SIECK
BrokerageCOLDWELL BANKER BLACK HILLS LEGACY

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