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Single Family ResidenceResidential
$1,281,002$590 / 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 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

20118 BEAR RIDGE RD

SPEARFISH, SD 57783
6
Baths
2,172 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.
34.05 ac
Lot SizeThe size of the land the home sits on, from county records.
2008
Year BuiltThe year the home was originally built, according to county records.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1.2M low$1.4M high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$1,081,002
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$864,802
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.20%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$200,000
BLACK HILLS FEDERAL CREDIT UNION · recorded Aug 17, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,305 (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.$826,180 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$206,120
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$620,060
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$712,650
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$636,350

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.58
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
71
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
29
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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%

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.34.05
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 · 7.5 mi
M
Spearfish Middle School - 05B-
Middle · Grades 6–8 · 8.0 mi
H
Spearfish High School - 01C+
High · Grades 9–12 · 8.1 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

20118 Bear Ridge Rd 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 98% of homes in Spearfish 57783
  • Costs more per square foot than 96% of homes in Spearfish 57783
  • Bigger than 88% of homes in Spearfish 57783
  • Has a bigger lot than 97% of homes in Spearfish 57783
  • Newer than 78% of homes in Lawrence County

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
$204K$1.3M

This home is worth more than 98% 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$1,281,002
CheaperTypical $476,555Pricier

Pricier than 98% of homes nearby

Price per ft²$590
CheaperTypical $347Pricier

Pricier than 96% of homes nearby

Living area2,172 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than 88% of homes nearby

Lot size34.05 ac
SmallerTypical 0.29 acBigger

Bigger than 97% of homes nearby

Year built2008
OlderTypical 1994Newer

Newer than 77% of homes nearby

How 20118 Bear Ridge Rd ranks against every home in each area.
MeasureThis homeSpearfish 57783Lawrence County
Estimated valuepricier than$1,281,00298% of homes97% of homes
Price per ft²pricier than$59096% of homes91% of homes
Living areabigger than2,172 ft²88% of homes88% of homes
Lot sizebigger than34.05 ac97% of homes97% of homes
Year builtnewer than200877% of homes78% of homes

About 20118 Bear Ridge Rd

How much is 20118 Bear Ridge Rd, Spearfish, SD worth?

The TopHap Estimate for 20118 Bear Ridge Rd, Spearfish, SD is $1,281,002 as of Jul 14, 2026. The likely range is $1,209,754 to $1,352,250. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20118 Bear Ridge Rd, Spearfish, SD last sell?

20118 Bear Ridge Rd, Spearfish, SD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 20118 Bear Ridge Rd, Spearfish, SD?

20118 Bear Ridge Rd, Spearfish, SD has 6 bathrooms, 2,172 square feet of living space and a 34.05-acre lot.

When was 20118 Bear Ridge Rd, Spearfish, SD built?

20118 Bear Ridge Rd, Spearfish, SD was built in 2008, making it 18 years old.

What schools serve 20118 Bear Ridge Rd, Spearfish, SD?

20118 Bear Ridge Rd, 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 20118 Bear Ridge Rd, Spearfish, SD compare to other homes in Spearfish 57783?

Among the 7,071 homes in Spearfish 57783, it is worth more than 98% of them ($1,281,002 against a typical $476,555), its price per square foot is higher than 96% of them ($590 against a typical $347), it is bigger than 88% of them (2,172 ft² against a typical 1,368 ft²), its lot is bigger than 97% of them (34.05 ac against a typical 0.29 ac) and it is newer than 77% of them (2008 against a typical 1994). Measured against all of Lawrence County, it is worth more than 97% 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 20118 Bear Ridge Rd, Spearfish, SD?

The 2025 property tax bill for 20118 Bear Ridge Rd, Spearfish, SD was $7,305. The county assessed it at $826,180.

Closest homes

More homes in Spearfish 57783

Assigned schools

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