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2813 S Terry Ave, Sioux Falls, SD, 57106

2beds
4baths
2,468sqft
$725,000
$294price/sqft
$5,032/moest. monthly cost
$201,280/yrincome needed

About This Home

Distinctive three-level townhome living near Lake Lorraine, offering 2,468 finished square feet, two private bedroom suites, four bathrooms, multiple gathering spaces, and elevated lake views. Thoughtfully designed for a low-maintenance, lock-and-leave lifestyle, this home combines upscale finishes with convenient access to nearby shopping, dining, entertainment, walking paths, and everyday services. The open-concept main level creates an inviting setting for daily living and entertaining. The kitchen features custom ceiling-height cabinetry, quartz and granite surfaces, a gas cooktop with custom hood, a microwave drawer, and generous storage. Large windows bring natural light into the living area, while the dining space provides an easy connection to the kitchen and surrounding living areas. Upstairs, both spacious bedrooms include private ensuite bathrooms and walk-in closets. The primary suite features heated bathroom floors, a tiled zero-entry shower, automated blinds, and direct access to the second-story deck. From the deck, enjoy views overlooking Lake Lorraine and an additional outdoor space for relaxing or entertaining. The second suite includes a soaking tub, and the nearby upper-level laundry adds convenience. The finished lower level expands the home’s flexibility with a comfortable family room, gas fireplace, wet bar, wine refrigerator, three-quarter bathroom, and additional storage or exercise space. Whole-home surround sound, a security system, two-zone heating, and elevator-ready construction add comfort and functionality throughout. The heated two-stall garage is equipped with an epoxy floor, floor drain, hot and cold water, an electric-vehicle charging port, and additional storage. Exterior features include a patio, landscaping, underground sprinklers, and a concrete driveway. HOA services include exterior building maintenance, lawn care, snow removal, and garbage service, providing more time to enjoy the home and surrounding Lake Lorraine community. The seller will include 12 months of HOA dues with an acceptable offer. Schedule a private showing to experience the design, lake views, entertaining spaces, and low-maintenance convenience of 2813 S. Terry Avenue.

Getting Around

45
WalkingCar-Dependent
21
TransitMinimal Transit
38
BikeSomewhat Bikeable

Schools

4/10
9/10
5/10

Construction

Condition

  • Year built: 2018

Materials

  • Roof: Flat,Rubber
  • Construction materials: Brick,Synthetic Stucco,Wood Siding

Type & Style

  • Home type: Townhouse
  • Architectural style: Two Story
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Range,Microwave,Dishwasher,Disposal,Refrigerator,Stove Hood,Washer,Dryer

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom2

  • Level: Upper
  • Area: 204

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 132

Family Room

  • Level: Basement
  • Area: 210

Features

  • 9 FT+ Ceiling in Lwr Lvl,Master Bath,Other,Sound System,Wet Bar
  • Flooring: Carpet,Tile,Wood
  • Number of fireplaces: 1
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 733
  • Finished area above ground: 1,735

Heating & Cooling

  • Heating features: 90% Efficient,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,468 sqft

Kitchen

  • Level: Main
  • Area: 156

Living Room

  • Level: Main
  • Area: 204

Master Bedroom

  • Level: Upper
  • Area: 210

Property

Details

  • Parcel number: 090075

Features

  • Levels: Two
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 2,064 sqft
  • Features: Other
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Concrete
  • 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

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

How This Home’s Risks Compare

Tornado
Cold Wave
Ice Storm
Winter Weather
Hail
Heat Wave
Strong Wind

FEMA Declared Disasters in Minnehaha 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 $3,665$43,980
Home Insurance $419$5,028
Property Taxes $760$9,120
Electricity $188$2,262
Total$5,032$60,384

Income You'd Need if You Spent...

35% on housing$172,525/yr
40% on housing$150,960/yr
45% on housing$134,186/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 2.1%
2.1%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$294This listing

vs Other Active Listings

Avg $/sqft

ZIP 57106$159
Minnehaha County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 57106$180
Minnehaha County$179

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
2026-06-12Listed for sale$725,000
2026-05-08Listing removed$725,000
2025-10-15Listed for sale$725,000
2018-09-10Sold$664,566

For Sale by Agent

AgentJennifer M Krosch
BrokerageeXp Realty - Elevated Sioux Falls

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