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Single Family ResidenceResidential
$233,964$284 / 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 84How 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

640 N 3RD ST

SPEARFISH, SD 57783
3
Baths
825 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.
0.12 ac
Lot SizeThe size of the land the home sits on, from county records.
1963
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

$234K
$197K low$271K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,747 (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.$221,420 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$57,750
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$163,670
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$210,150
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$182,300

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.143 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.0.12
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 · 0.5 mi
M
Spearfish Middle School - 05B-
Middle · Grades 6–8 · 0.7 mi
H
Spearfish High School - 01C+
High · Grades 9–12 · 0.8 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

640 N 3rd 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.

  • Among the least valuable homes in Spearfish 57783
  • Costs less per square foot than 77% of homes in Spearfish 57783
  • Smaller than 96% of homes in Spearfish 57783
  • Has a smaller lot than 85% of homes in Spearfish 57783
  • Older than 85% 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
$257K$1.5M

This home is worth less than almost all 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$233,964
CheaperTypical $491,897Pricier

Cheaper than almost all homes nearby

Price per ft²$284
CheaperTypical $346Pricier

Pricier than 23% of homes nearby

Living area825 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.12 ac
SmallerTypical 0.28 acBigger

Bigger than 15% of homes nearby

Year built1963
OlderTypical 1995Newer

Newer than 15% of homes nearby

How 640 N 3rd St ranks against every home in each area.
MeasureThis homeSpearfish 57783Lawrence County
Estimated valuepricier than$233,964almost no homes7% of homes
Price per ft²pricier than$28423% of homes29% of homes
Living areabigger than825 ft²4% of homes7% of homes
Lot sizebigger than0.12 ac15% of homes15% of homes
Year builtnewer than196315% of homes26% of homes

About 640 N 3rd St

How much is 640 N 3rd St, Spearfish, SD worth?

The TopHap Estimate for 640 N 3rd St, Spearfish, SD is $233,964 as of Aug 30, 2026. The likely range is $196,898 to $271,030. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 640 N 3rd St, Spearfish, SD last sell?

640 N 3rd St, Spearfish, SD last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 640 N 3rd St, Spearfish, SD?

640 N 3rd St, Spearfish, SD has 3 bathrooms, 825 square feet of living space and a 0.12-acre lot.

When was 640 N 3rd St, Spearfish, SD built?

640 N 3rd St, Spearfish, SD was built in 1963, making it 63 years old.

What schools serve 640 N 3rd St, Spearfish, SD?

640 N 3rd 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 640 N 3rd St, Spearfish, SD compare to other homes in Spearfish 57783?

Among the 7,148 homes in Spearfish 57783, it is worth more than almost none of them ($233,964 against a typical $491,897), its price per square foot is higher than 23% of them ($284 against a typical $346), it is bigger than 4% of them (825 ft² against a typical 1,368 ft²), its lot is bigger than 15% of them (0.12 ac against a typical 0.28 ac) and it is newer than 15% of them (1963 against a typical 1995). Measured against all of Lawrence County, it is worth more than 7% 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 640 N 3rd St, Spearfish, SD?

The 2025 property tax bill for 640 N 3rd St, Spearfish, SD was $2,747. The county assessed it at $221,420.

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