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109 Sherman St, Silver City, SD, 57702

4beds
4baths
4,566sqft
$1,850,000
$405price/sqft
$12,580/moest. monthly cost
$503,200/yrincome needed

About This Home

Listed by Lori Barnett, Engel & Völkers Black Hills, 605-786-5817. Over 4,200 square feet of custom construction on the banks of Rapid Creek, minutes from Pactola Lake and surrounded by Black Hills National Forest. Fully furnished. Main home plus a restored 1918 guest cabin. The great room sets the tone with 23-foot ceilings, wood beam detail, a full stone fireplace, and hardwood floors throughout. Walls of windows put the creek and forest in full view from nearly every room. The kitchen is built to perform: granite counters, professional-grade appliances, walk-in pantry, and breakfast bar. An adjacent wet bar adds function for entertaining. The main-level primary suite opens to the back deck overlooking the creek, with an ensuite bath and laundry on the same floor. Two upper-level bedrooms share a bath and a sitting area above the great room. The lower level walks out to the creek with a large family room, a dedicated fly fishing room with double-door creek access, a fourth bedroom, and full bath. The guest cabin, built in 1918 and fully modernized, offers two bedrooms, a full bath, and open living space. Rapid Creek is a year-round trout fishery. Pactola Lake is a short float downstream. Thousands of miles of trails for hiking, biking, and off-road riding begin nearby. A heated covered porch and multiple decks make the outdoors livable in every season. Rare, turnkey property in one of the most sought-after corridors of the Black Hills.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

7/10
Hill City Elementary - 02Grades PK-510.7 mi
6/10
9/10
Hill City High School - 01Grades 9-1210.8 mi

Construction

Condition

  • Year built: 2011

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Site Built

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Gas Range Oven,Microwave,Range Hood,Washer,Dryer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Wet Bar,Vaulted Ceiling(s),Walk-In Closet(s),Ceiling Fan(s),Granite Counters
  • Window features: Wood Frames,Window Coverings
  • Flooring: Carpet,Wood,Tile
  • Number of fireplaces: 1
  • Fireplace features: One,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Forced Air,Radiant Ceiling
  • Cooling features: Refrig. C/Air

Interior Area

  • Total structure area: 4,566
  • Total interior livable area: 4,566 sqft

Property

Details

  • Parcel number: 1831454003

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Porch Covered,Enclosed Porch,Covered Patio,Open Deck,Covered Deck
  • Fencing: Wood
  • Waterfront features: Creek Side

Lot

  • Lot size: 0.34 Acres
  • Features: Few Trees,Views,Lawn,Trees

Parking

  • Total spaces: 2
  • Parking features: Two Car,Attached,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Inland Flooding
    Inland FloodingVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Landslide
    LandslideModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Winter Weather
Cold Wave
Hail
Lightning
Landslide
Tornado

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 $9,354$112,248
Home Insurance $1,091$13,092
Property Taxes $1,787$21,444
Electricity $348$4,185
Total$12,580$150,960

Income You'd Need if You Spent...

35% on housing$431,314/yr
40% on housing$377,400/yr
45% on housing$335,466/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

$405This listing

vs Other Active Listings

Avg $/sqft

ZIP 57702$293
Pennington County$230

vs Homes Sold Last Month

Median $/sqft

ZIP 57702$205
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
2026-03-18Listed for sale$1,850,000

For Sale by Agent

AgentLori L Barnett
BrokerageEngel & Voelkers Black Hills Spearfish

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