This well-maintained ranch home with numerous updates is situated on a large 2.15-acre lot close to the Missouri River. The home offers 3 bedrooms and 2.5 bathrooms, including a comfortable primary suite with a walk-in closet and private bathroom. The primary bedroom features a beautiful stone accent wall and an electric fireplace, creating a warm and inviting retreat. The formal living room also includes a stone accent wall and fireplace, adding charm and character to the main living space. The large remodeled kitchen is a standout, featuring white cabinetry, granite countertops, a spacious eat-at island, a farmhouse sink, and appliances that are only one year old. A 15 x 15 family room addition offers extra living space with a knotty pine vaulted ceiling, while the spacious 14 x 12 laundry room on the main floor adds everyday convenience. Outside, enjoy a front porch that runs the length of the home, providing plenty of room to relax and enjoy the outdoors. The property also includes a setup for RV parking with electric service, as well as a 30 x 40 insulated shed with electric heat, offering excellent space for storage, hobbies, equipment, or a workshop. HOA fees are $250 annually and include boat access to the Missouri River.
As the MLS and public records start to fill up, we'll list the details here.
Public record
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Finished Sq. Ft.
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Unfinished Sq. Ft.
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Total Sq. Ft.
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Year built
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Style
Single Family Residential
County
Clay County
APN
121200915104212
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Last updated by owner on Jul 21, 2026.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
2/10 Heat Factor
7 days above 104° expected this year, 14 days in 30 years
2/10 Wind Factor
Minor risk of severe winds over next 30 years
2/10 Air Factor
1 unhealthy days expected this year, 1 days in 30 years
Provided by First Street
Historical weather
Vermillion, SD • 57069
Average low and high temperatures (°F)
32
11
40
16
58
29
63
39
74
49
84
62
87
68
82
63
80
56
70
46
49
31
38
19
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Feb
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Apr
May
Jun
Jul
Aug
Sep
Oct
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Dec
Sun exposure
100/ 100
Exceptional sunlight
Sunscore
This home ranks in the top 1% for direct sun exposure in Vermillion. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
10.4 hrs
6.2 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 32103 Saginaw
$387,966
$12K under list price of $400K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $280K to $465K.