




109 Sherman St, Silver City, SD, 57702
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
Schools
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
- Wildfire
- Winter Weather
- Cold Wave
- Hail
- Lightning
- Landslide
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Pennington 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 | $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...
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 |
|---|---|---|
| 2026-03-18 | Listed for sale | $1,850,000 |
For Sale by Agent
