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21164 Gilded Mountain Loop, Lead, SD, 57754

6beds
3baths
2,466sqft
$789,900
$320price/sqft
$5,163/moest. monthly cost
$206,520/yrincome needed

About This Home

$60,700 IN AVERAGE GROSS RENTS OVER THE LAST 6 YEARS. Listed by Stuart Martin, Re/Max Results 605-390-4227. Beautifully crafted retreat in the sought-after Gilded Mountain Subdivision, offering over 2,400 sq. ft. of spacious living with 6 bedrooms, 3 full bathrooms, and accommodations for up to 16 guests. This well-maintained property boasts strong rental history and is designed for both comfort and entertaining. A covered front porch welcomes you into a spacious entryway and open-concept main level featuring a cozy great room with a gas fireplace, stunning knotty hickory cabinetry, breakfast bar seating, and a dining area with room for eight. Step outside to the expansive covered deck—perfect for grilling, relaxing, and enjoying the Black Hills scenery. The main floor also includes the private primary bedroom with across the hall access to the main floor bath. Upstairs, you’ll find three additional bedrooms and a full bathroom, including a bunk room with multiple beds and access to a second covered deck. The walkout lower level offers even more gathering space with a large family room, second gas fireplace, wet bar, two additional bedrooms, and a full bath. Outside, unwind on the stamped concrete patio featuring a private hot tub. The exterior has been recently re-stained, adding to the home’s curb appeal and upkeep. Located within walking distance to the community clubhouse with a pool, hot tub, sauna, and fitness facility, and just minutes from Deadwood, skiing, hiking, ATV trails, and all the year-round recreation the beautiful Black Hills has to offer. If you are looking for a SOLID INVESTMENT and the flexibility to use it for family gatherings, look no further!! Call today for your private personal tour with your favorite agent.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

4/10
4/10

Construction

Condition

  • Year built: 2013

Materials

  • Foundation: Concrete Perimeter

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

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

Bathroom

  • Features: Shower Only,Shower/Tub

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Breakfast Bar,Combination

Features

  • Flooring: Carpet,Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,466
  • Total interior livable area: 2,466 sqft

Property

Details

  • Parcel number: 267300175535007

Features

  • Levels: Three Or More
  • Fencing: None
  • Has view: Yes
  • View description: Neighborhood,Trees/Woods

Lot

  • Lot size: 0.50 Acres
  • Features: Interior Lot,Rolling Slope

Parking

  • Parking features: No Garage
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Winter Weather
Hail
Inland Flooding
Lightning
Strong Wind
Wildfire
Cold Wave

FEMA Declared Disasters in Lawrence 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 $3,994$47,928
Home Insurance $395$4,740
Property Taxes $586$7,032
Electricity $188$2,260
Total$5,163$61,956

Income You'd Need if You Spent...

35% on housing$177,017/yr
40% on housing$154,890/yr
45% on housing$137,680/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 2.1%
2.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$320This listing

vs Other Active Listings

Avg $/sqft

ZIP 57754$259
Lawrence County$296

vs Homes Sold Last Month

Median $/sqft

ZIP 57754$310
Lawrence County$241

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
2026-07-09Price change$789,900
2026-06-05Price change$799,900
2026-05-26Listed for sale$812,500

For Sale by Agent

AgentSTUART MARTIN
BrokerageRE/MAX RESULTS

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