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7404 S High Cross Trl, Sioux Falls, SD, 57108

4beds
4baths
3,206sqft
$695,000
$217price/sqft
$5,034/moest. monthly cost
$201,360/yrincome needed

About This Home

The great room stops people in the doorway: soaring 18-foot ceilings, six oversized 12-foot windows, and an open upstairs landing overlook fill the space with light morning to night. New premium shades (2024) let you dial it back when you want. It's one of three fully finished, purpose-built levels on this 0.33-acre, 3,206-square-foot home, a layout that's rare in south Sioux Falls, where many houses trade yard size for square footage in a single story. The kitchen features Travertine floors, granite counters, custom cabinetry, and a central island, opening to a bright living room with a coffered ceiling, whole-home audio with zone control, and a main-floor powder room. Upstairs, three bedrooms include a primary suite with a tray ceiling, sitting area, walk-in closet, and a private bath — both finished with soft ambient cove lighting that sets the mood without a single lamp. A tiled shower and walk-in closet round out the spacious primary bath. The upstairs multifunctional laundry room doubles as a media center. The finished lower level adds a fourth bedroom with egress windows, 9-foot+ ceilings, and a full bath. The family room is set up for a premium TV and surround sound, and both it and the wet bar carry the same cove lighting as upstairs — a detail that becomes a favorite fast once you're living with it. Outside, a premium vinyl privacy fence encloses roughly 8,100 square feet, more than half the lot, with two mature trees and a well-kept lawn. A gas-heated 3-car garage, a newly renovated deck (2026), and a poured pad for the included 7-person Caldera hot tub (2025) round out the space. The big-ticket items are already handled: new roof (2024), new sump pump (2024), and a full AC system overhaul (2026) — move in without worrying about what's next. No HOA. Zoned for Harrisburg schools on a quiet, walkable street in Heather Ridge. Schedule your showing today. Property Improvements: - New Roof - 2024 - New Sump Pump and Sump Pump System Inspection - 2024 - Poured Concrete Pads for Hot Tub (13 Ft X 14 Ft) and Deck Stair Landing - 2025 - Premium Caldera 7 Person Hot Tub - 2025 - AC Unit Overhaul (replaced All Electrical and Fan Components, Deep Clean) - 2026 - Major Deck Renovation and Refinish - 2026

Getting Around

19
WalkingCar-Dependent
0
TransitNo Nearby Transit
37
BikeSomewhat Bikeable

Schools

8/10
Journey Elementary - 05Grades K-50.5 mi
8/10

Construction

Condition

  • Year built: 2008

Materials

  • Foundation: Concrete
  • Roof: Asphalt
  • Construction materials: Other

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Freezer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Tile,Other,Carpet,Linoleum / Vinyl
  • Fireplace: Yes

Heating

  • Heating features: Other

Interior Area

  • Total interior livable area: 3,206 sqft

Property

Details

  • Parcel number: 2809908017

Features

  • Exterior features: Composition
  • Has spa: Yes

Lot

  • Lot size: 0.33 Acres

Parking

  • Total spaces: 3
  • Parking features: Garage - Attached

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

  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Ice Storm
    Ice StormRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Winter Weather
Ice Storm
Cold Wave
Hail
Strong Wind

FEMA Declared Disasters in Lincoln 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 $3,514$42,168
Home Insurance $404$4,848
Property Taxes $872$10,464
Electricity $244$2,938
Total$5,034$60,408

Income You'd Need if You Spent...

35% on housing$172,594/yr
40% on housing$151,020/yr
45% on housing$134,240/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: 18.3%
18.3%
0%30.0%
Electricity Growth Rate10-year average: 2.1%
2.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$217This listing

vs Other Active Listings

Avg $/sqft

ZIP 57108$185
Lincoln County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 57108$192
Lincoln County$195

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)

No zestimate history available

Price History

DateEventPrice
2026-08-03Listed for sale$695,000
2024-03-29Sold$665,000
2023-11-17Listed for sale$675,000
2010-05-03Sold$349,900
2006-04-03Sold$52,000

For Sale by Owner

AgentProperty Owner

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