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3548 S Spencer Blvd, Sioux Falls, SD, 57103

5beds
4baths
4,681sqft
$1,095,000
$234price/sqft
$7,791/moest. monthly cost
$311,640/yrincome needed

About This Home

This Beautiful Ranch Walk Out Pool home in located in the tree lined streets of Tuthill Highlands. 5 Bedrooms, 3.5 Baths, Open Floor plan, Living room has stone front gas Fireplace, Formal Dining room -Hard wood flooring/columns & Crown Molding. Home office just off the front entry. The Kitchenoffers - Hard wood flooring, Cherry cabinets, pantry cabinet, tile backsplash, built-in ovens and spacious eating area. Sunroom is surrounded by windows overlooking the private backyard and Pool area & heated flooring. The master suite offers a large walk-in closet, Whirlpool tub, Tiled shower and heated floor. 3 total bedrooms on main level. Main floor Laundry and back entryway. The Lower level is ready to entertain. The Family room offers a 3-sided Fireplace, Wet Bar and 1 area for movie night and the other area for game night and fun. 2 Additional bedrooms in the lower level with a 3/4 tiled shower bathroom. A back room with door to the pool with cabinets for all the pool needs (towels and accessories). There is a large storage room and a large area for your exercise equipment (padded floor with full size mirrors. The Outside is an entertainers dream with the resort size L-Shaped pool surrounded by pavers , all surrounded by trees for privacy. Step out of your Sun room to a permanent decking with steps to your pool, Hot tub and firepit. Andersen Windows. Appliances Stay New in 2024 - Cook top is Induction. New Shingles & Gutters 2026. This home has it all. Life feels like vacation all year long.

Getting Around

4
WalkingCar-Dependent
12
TransitMinimal Transit
45
BikeSomewhat Bikeable

Schools

8/10
6/10
Lincoln High School - 02Grades 9-120.6 mi

Construction

Condition

  • Year built: 1997

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Heating & Cooling

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

Interior Area

  • Total structure area: 4,681
  • Total interior livable area: 4,681 sqft

Property

Details

  • Parcel number: 49953

Features

  • Patio & porch: Patio

Parking

  • Parking features: GarageAttached
  • Has garage: 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

  • 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 $5,536$66,432
Home Insurance $720$8,640
Property Taxes $1,178$14,136
Electricity $357$4,290
Total$7,791$93,492

Income You'd Need if You Spent...

35% on housing$267,120/yr
40% on housing$233,730/yr
45% on housing$207,760/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

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 57103$146
Minnehaha County$183

vs Homes Sold Last Month

Median $/sqft

ZIP 57103$160
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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$1,095,000
2026-07-29Price change$1,095,000
2026-07-20Price change$1,150,000
2026-05-28Price change$1,200,000
2026-05-15Listed for sale$1,279,900
2021-03-24Listing removed--
2016-06-01Listing removed$649,000
2016-03-04Pending sale$649,000
2016-02-08Listed for sale$649,000

For Sale by Agent

AgentGreg Kneip
BrokerageMidwest Realty

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