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411 Garfield Ave, Willow Lake, SD, 57278

4beds
2baths
2,646sqft
$239,000
$90price/sqft
$1,917/moest. monthly cost
$76,680/yrincome needed

About This Home

Welcome to this beautifully updated home in charming Willow Lake! From the moment you arrive, you'll appreciate the fenced yard, relaxing sauna, garage, and soaring ceilings—all wrapped in timeless character. Inside, enjoy over 1,800 square feet on the main level, complete with both formal and informal dining areas, main-floor laundry, and a stylish coffee/wet bar. Upstairs, you'll find four comfortable bedrooms and a full bathroom, with an unfinished basement offering plenty of extra storage. Recent updates include refinished hardwood floors, a brand-new furnace, new siding, roof, paint, flooring, and so much more. Don’t miss out—call today to schedule your private showing!

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
7/10
8/10

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Block
  • Roof: Composition
  • Construction materials: Hard Board

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Range,Microwave,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Flooring: Vinyl,Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,646

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,646 sqft

Property

Details

  • Parcel number: 6605

Features

  • Levels: One and One Half

Lot

  • Lot size: 8,398 sqft
  • Lot size dimensions: 60x158

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 WaveVery High
  • Hail
    HailVery High
  • Ice Storm
    Ice StormVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Cold Wave
Hail
Ice Storm
Winter Weather
Inland Flooding
Strong Wind
Tornado
Heat Wave
Wildfire

FEMA Declared Disasters in Clark 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 $1,208$14,496
Home Insurance $231$2,772
Property Taxes $276$3,312
Electricity $202$2,425
Total$1,917$23,004

Income You'd Need if You Spent...

35% on housing$65,725/yr
40% on housing$57,510/yr
45% on housing$51,120/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 2.1%
2.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 57278$129
Clark County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 57278
Clark County$100

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
2026-02-13Listing removed$2,000
2026-01-05Price change$2,000
2025-12-23Listed for rent$2,200
2025-11-07Price change$239,000
2025-10-10Price change$245,000
2025-09-07Price change$254,000
2025-07-11Price change$259,900
2025-05-30Listed for sale$269,900
2022-03-01Sold$180,000
2021-12-27Pending sale$189,900
2021-12-02Listed for sale$189,900

For Sale by Agent

AgentTony M Cady
BrokerageMarket First Real Estate

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