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Single Family ResidenceResidential
$411,340$349 / 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 91How 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

432 GEMSTONE DR

RAPID CITY, SD 57701
4
Beds
3
Baths
1,178 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
2010
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$411K
$374K low$448K 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.$213,740
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$170,992
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.46%
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.$197,600
FIRST INTERSTATE BANK · recorded Aug 8, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,754 (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.$436,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$66,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$369,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$436,200

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyPennington
Lot (acres)The size of the land the home sits on, from county records.0.22
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 144 ft²Patio · 120 ft²Porch · 40 ft²

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
Grandview Elementary SchoolB
Elementary · Grades KG–5 · 1.0 mi
M
South Middle SchoolD+
Middle · Grades 6–8 · 1.6 mi
H
Central High SchoolD
High · Grades 9–12 · 3.5 mi

District: Rapid City Area Schools

Neighborhood · ZIP 57701These 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.129
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.104
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.30

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.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.5%
PopulationHow many people live in this area.45,780
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.728 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,251
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$68,885
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.18 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

432 Gemstone Dr 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 82% of homes in Rapid City 57701
  • Costs more per square foot than 83% of homes in Rapid City 57701
  • Newer than 93% of homes in Rapid City 57701

What homes are worth in Rapid City 57701

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

This home
$169K$803K

This home is worth more than 82% of homes in Rapid City 57701.

How it measures up in Rapid City 57701

The dot is this home. The mark in the middle is the typical home in Rapid City 57701.

Estimated value$411,340
CheaperTypical $302,202Pricier

Pricier than 82% of homes nearby

Price per ft²$349
CheaperTypical $286Pricier

Pricier than 83% of homes nearby

Living area1,178 ft²
SmallerTypical 1,140 ft²Bigger

Bigger than 53% of homes nearby

Lot size0.22 ac
SmallerTypical 0.19 acBigger

Bigger than 60% of homes nearby

Year built2010
OlderTypical 1972Newer

Newer than 93% of homes nearby

How 432 Gemstone Dr ranks against every home in each area.
MeasureThis homeRapid City 57701Pennington County
Estimated valuepricier than$411,34082% of homes62% of homes
Price per ft²pricier than$34983% of homes68% of homes
Living areabigger than1,178 ft²53% of homes41% of homes
Lot sizebigger than0.22 ac60% of homes41% of homes
Year builtnewer than201093% of homes89% of homes

About 432 Gemstone Dr

How much is 432 Gemstone Dr, Rapid City, SD worth?

The TopHap Estimate for 432 Gemstone Dr, Rapid City, SD is $411,340 as of Jul 14, 2026. The likely range is $374,415 to $448,265. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 432 Gemstone Dr, Rapid City, SD last sell?

432 Gemstone Dr, Rapid City, SD last sold on Aug 8, 2014, according to the county's recorded deed.

How big is 432 Gemstone Dr, Rapid City, SD?

432 Gemstone Dr, Rapid City, SD has 4 bedrooms, 3 bathrooms, 1,178 square feet of living space and a 0.22-acre lot.

When was 432 Gemstone Dr, Rapid City, SD built?

432 Gemstone Dr, Rapid City, SD was built in 2010, making it 16 years old. It is a ranch home. The building has 1 story.

What schools serve 432 Gemstone Dr, Rapid City, SD?

432 Gemstone Dr, Rapid City, SD is assigned to Grandview Elementary School (elementary), rated B; South Middle School (middle), rated D+; Central High School (high), rated D. All sit in Rapid City Area Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 432 Gemstone Dr, Rapid City, SD compare to other homes in Rapid City 57701?

Among the 13,906 homes in Rapid City 57701, it is worth more than 82% of them ($411,340 against a typical $302,202), its price per square foot is higher than 83% of them ($349 against a typical $286), it is bigger than 53% of them (1,178 ft² against a typical 1,140 ft²), its lot is bigger than 60% of them (0.22 ac against a typical 0.19 ac) and it is newer than 93% of them (2010 against a typical 1972). Measured against all of Pennington County, it is worth more than 62% 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 432 Gemstone Dr, Rapid City, SD?

The 2025 property tax bill for 432 Gemstone Dr, Rapid City, SD was $4,754. The county assessed it at $436,200.

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Assigned schools

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