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Single Family ResidenceResidential
$497,388$370 / 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 89How 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

3120 RIDGE RD

SPEARFISH, SD 57783
4
Baths
1,344 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.
1.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$497K
$445K low$550K 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.$294,388
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$235,510
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.39%
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.$176,000
BLACK HILLS FEDERAL CREDIT UNION · recorded Nov 1, 2010
2nd 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.$27,000
BLACK HILLS FEDERAL CREDIT UNION

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,625 (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.$410,020 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$63,160
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$346,860
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$383,420
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$372,580

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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.1.29
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 2.1 mi
M
Spearfish Middle School - 05B-
Middle · Grades 6–8 · 2.4 mi
H
Spearfish High School - 01C+
High · Grades 9–12 · 2.4 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

3120 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.

  • Has a bigger lot than 75% of homes in Spearfish 57783
  • Older than 70% 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
$204K$1.3M

This home is worth more than 54% 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$497,388
CheaperTypical $476,555Pricier

Pricier than 54% of homes nearby

Price per ft²$370
CheaperTypical $347Pricier

Pricier than 60% of homes nearby

Living area1,344 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than 49% of homes nearby

Lot size1.29 ac
SmallerTypical 0.29 acBigger

Bigger than 75% of homes nearby

Year built1978
OlderTypical 1994Newer

Newer than 30% of homes nearby

How 3120 Ridge Rd ranks against every home in each area.
MeasureThis homeSpearfish 57783Lawrence County
Estimated valuepricier than$497,38854% of homes54% of homes
Price per ft²pricier than$37060% of homes56% of homes
Living areabigger than1,344 ft²49% of homes49% of homes
Lot sizebigger than1.29 ac75% of homes65% of homes
Year builtnewer than197830% of homes39% of homes

About 3120 Ridge Rd

How much is 3120 Ridge Rd, Spearfish, SD worth?

The TopHap Estimate for 3120 Ridge Rd, Spearfish, SD is $497,388 as of Jul 14, 2026. The likely range is $444,766 to $550,010. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3120 Ridge Rd, Spearfish, SD last sell?

3120 Ridge Rd, Spearfish, SD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 3120 Ridge Rd, Spearfish, SD?

3120 Ridge Rd, Spearfish, SD has 4 bathrooms, 1,344 square feet of living space and a 1.29-acre lot.

When was 3120 Ridge Rd, Spearfish, SD built?

3120 Ridge Rd, Spearfish, SD was built in 1978, making it 48 years old.

What schools serve 3120 Ridge Rd, Spearfish, SD?

3120 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 3120 Ridge Rd, Spearfish, SD compare to other homes in Spearfish 57783?

Among the 7,071 homes in Spearfish 57783, it is worth more than 54% of them ($497,388 against a typical $476,555), its price per square foot is higher than 60% of them ($370 against a typical $347), it is bigger than 49% of them (1,344 ft² against a typical 1,368 ft²), its lot is bigger than 75% of them (1.29 ac against a typical 0.29 ac) and it is newer than 30% of them (1978 against a typical 1994). Measured against all of Lawrence County, it is worth more than 54% 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 3120 Ridge Rd, Spearfish, SD?

The 2025 property tax bill for 3120 Ridge Rd, Spearfish, SD was $3,625. The county assessed it at $410,020.

Closest homes

More homes in Spearfish 57783

Assigned schools

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