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Single Family ResidenceResidential
$854,379$228 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 62How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

1431 CHARLES ST

SPEARFISH, SD 57783
0
Baths
3,745 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
9.9 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.

Valuation

$854K
$526K low$1.2M high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$11,066 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,062,790 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$378,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$684,790
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,042,380
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$870,140

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.44
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
70
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
51
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
27
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
39
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.7 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyLAWRENCE
Lot (acres)The size of the land the home sits on, from county records.9.90
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
West Elementary - 03
Elementary · Grades 1–2 · 0.6 mi
M
Spearfish Middle School - 05B-
Middle · Grades 6–8 · 1.3 mi
H
Spearfish High School - 01C+
High · Grades 9–12 · 1.3 mi

District: Spearfish School District 40-2

Neighborhood · ZIP 57783These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.86
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.33

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.6%
PopulationHow many people live in this area.17,419
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.84 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$68,002
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$88,688
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.24 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1431 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 86% of homes in Spearfish 57783
  • Costs less per square foot than 93% of homes in Spearfish 57783
  • Among the largest homes in Spearfish 57783
  • Has a bigger lot than 94% of homes in Spearfish 57783
  • Newer than 96% of homes in Spearfish 57783

What homes are worth in Spearfish 57783

Each bar is how many homes fall in that price range. The marker is this home.

This home
$255K$1.4M

This home is worth more than 86% of homes in Spearfish 57783.

How it measures up in Spearfish 57783

The dot is this home. The mark in the middle is the typical home in Spearfish 57783.

Estimated value$854,379
CheaperTypical $496,514Pricier

Pricier than 86% of homes nearby

Price per ft²$228
CheaperTypical $346Pricier

Pricier than 7% of homes nearby

Living area3,745 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than almost all homes nearby

Lot size9.9 ac
SmallerTypical 0.28 acBigger

Bigger than 94% of homes nearby

Year built2021
OlderTypical 1994Newer

Newer than 96% of homes nearby

How 1431 Charles St ranks against every home in each area.
MeasureThis homeSpearfish 57783Lawrence County
Estimated valuepricier than$854,37986% of homes84% of homes
Price per ft²pricier than$2287% of homes15% of homes
Living areabigger than3,745 ft²almost all homesalmost all homes
Lot sizebigger than9.9 ac94% of homes91% of homes
Year builtnewer than202196% of homes96% of homes

About 1431 Charles St

How much is 1431 Charles St, Spearfish, SD worth?

The TopHap Estimate for 1431 Charles St, Spearfish, SD is $854,379 as of Aug 30, 2026. The likely range is $526,493 to $1,182,265. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1431 Charles St, Spearfish, SD last sell?

1431 Charles St, Spearfish, SD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 1431 Charles St, Spearfish, SD?

1431 Charles St, Spearfish, SD has 3,745 square feet of living space and a 9.90-acre lot.

When was 1431 Charles St, Spearfish, SD built?

1431 Charles St, Spearfish, SD was built in 2021, making it 5 years old.

What schools serve 1431 Charles St, Spearfish, SD?

1431 Charles St, Spearfish, SD is assigned to West Elementary - 03 (elementary); Spearfish Middle School - 05 (middle), rated B-; Spearfish High School - 01 (high), rated C+. All sit in Spearfish School District 40-2. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1431 Charles St, Spearfish, SD compare to other homes in Spearfish 57783?

Among the 7,071 homes in Spearfish 57783, it is worth more than 86% of them ($854,379 against a typical $496,514), its price per square foot is higher than 7% of them ($228 against a typical $346), it is bigger than almost all of them (3,745 ft² against a typical 1,368 ft²), its lot is bigger than 94% of them (9.9 ac against a typical 0.28 ac) and it is newer than 96% of them (2021 against a typical 1994). Measured against all of Lawrence County, it is worth more than 84% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1431 Charles St, Spearfish, SD?

The 2025 property tax bill for 1431 Charles St, Spearfish, SD was $11,066. The county assessed it at $1,062,790.

More homes on Charles St

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