Rapid City Real Estate Guide

rapid cit y

volume 18 issue 1

guide

8526 HEALING WAY RAPID CITY, SD Stephanie Steele Yanni Georgas Broker Associate 605-484-2814

Broker Associate 605-381-2227

MLS: #165939 $425,000

Lisa Boorman Chris Boorman Broker Associate 605-484-2020

1240 Jackson Blvd., Rapid City, SD 605-341-4100 YANNIGEORGASTEAM.COM

Broker Associate 605-415-2122

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Rates and Terms may vary based on creditworthiness and are subject to credit approval.

New Home Construction Headquarters

Homes starting in the low $300,000’s Contact Stuart Martin, Stacey Nelson!

Homes starting in the $350,000’s Contact Stuart Martin!

Murphy RANCH

Homes starting in the $475,000’s Contact Tom Rau, Dana Vogt!

Homes starting in the low $300,000’s Contact Yanni Georgas Team!

Homes starting in the $350,000’s Contact Stuart Martin!

Yanni Georgas Team

Stuart Martin

Tom Rau

Dana Vogt

605.381.2227

605.390.4227

605.390.2735

605.381.2095

8th Consecutive Year #1 Top Producer

2015, 2016, 2017, 2018, 2019, 2020, 2021 & 2022

Kirschenman Amanda

(605) 390–6070

realtor.kirsch@gmail.com www.homesinthehills.info

IT’S IT’S GETTING GETTING COLD COLD OUT OUT THERE THERe

Stay Stay warm warm this this winter winter

WITH WITH HELP HELP FROM FROM YOUR YOUR FRIENDS FRIENDS AT AT

(605) 342-4232 | 1024 W. Omaha St., Rapid City 57701| www.splashcityinc.com “Your Water & Entertainment Specialist”

YOUR #1 CHOICE IN REAL ESTATE & PROPERTY MANAGEMENT

4237 FOOTHILL DR, RAPID CITY, SD

Nestled in the coveted Springbrook Acres on the west side of Rapid City, this 3-bedroom, 1.5-bath peaceful home sits upon a sprawling 1.66-acre oasis - a rare gem in a landscape where spacious lots are becoming increasingly scarce. Witness breathtaking panoramas, from serene rolling hills to the vibrant cityscape, all from the comfort of your impeccably updated home. Modern amenities abound, ensuring both comfort and functionality. But this home offers more than just a beautiful interior. This expansive land is a blank canvas for your wildest dreams. Imagine: storing your recreational toys and RV with ease, carving out a workshop for your passions, or even expanding your living space by finishing the garage.

Or perhaps, you envision building your dream home from the ground up, tailored to your every desire. This is your chance to own a piece of westside paradise, where possibilities unfurl like the endless sky above. Don’t let this rare opportunity slip away - schedule your showing today and discover the boundless potential that awaits.

$599,000 3 BR 1.5 BA

PROPERTY MANAGEMENT SERVICES DISCOVER YOUR DREAM PROPERTY WITH UHRE REALTY & PROPERTY MANAGEMENT SINCE 2015 Uhre Realty & Property Management: Your Gateway to Relaxing Stays in Rapid City and the Black Hills

At Uhre Realty & Property Management, we offer a wide range of exceptional properties for rent in Rapid City and the awe-inspiring Black Hills. Whether you’re traveling with friends, family, or colleagues, we’re confident that our comfortable and impeccably maintained rentals will exceed your expectations.

WEST BLVD FURNISHED RENTAL

6BR 4BA

EAST RAPID FURNISHED RENTAL

3BR 2BA

To get started, simply scan the QR code below to access our real-time availability and fill out our convenient Pre-Screening Form. This will initiate the application process and allow us to tailor our services to your specific accommodation needs.

We’re here to help you find the perfect haven amidst the beauty of Rapid City and the Black Hills. Don’t delay any further - start planning your adventure today!

Josh Uhre, Owner Broker

605-390-8790 Amy Jenson, Broker Assoc.

605-390-6068

WEST RAPID FURNISHED RENTAL

2BR 1BA

WEST RAPID FURNISHED RENTAL

2BR 2BA

AVAILABLE RENTALS

YOUR #1 CHOICE IN REAL ESTATE & PROPERTY MANAGEMENT

CALL OR TEXT: 605-390-8790 • EMAIL: JOSHUHRE@GMAIL.COM• WEBSITE: WWW.UHREREALTY.COM

Let’s build your next cherished memory together.

Find your forever home with the affordable solutions made possible through Top Shelf Construction and TruView Lending.

“Home is the nicest word there is.”

-Laura Ingalls Wilder

Integrity above all.

At the heart of Top Shelf Construction beats an unwavering commitment to honesty, transparency, and ethical practices. We believe that building trust is as vital as building structures. Our dedicated team operates with integrity, ensuring your dreams are realized with integrity. Experience the cornerstone of our values in every collaboration, where our promise is a foundation you can depend on.

TAILORED TO PERFECTION.

Top Shelf Construction specializes in bringing your dream home to life. Our Custom Home Building services transform your vision into reality, with meticulous attention to detail and a dedication to quality. From concept to completion, our team of experts collaborates closely to ensure your unique ideas are woven into the fabric of your new residence. Elevate your living experience with a home tailored to your desires, where craftsmanship meets comfort.

HOME DESIGN THAT CAPTURES THE REAL YOU.

At Top Shelf Construction, our Custom Home Designing services turn imagination into blueprints. Our skilled designers blend creativity with practicality, crafting unique layouts that align with your lifestyle. Collaborating closely, we ensure every detail reflects your vision, from innovative aesthetics to functional spaces. Experience the art of personalized design as we sculpt homes that resonate with your distinct taste and aspirations.

AN EMPHASIS ON AFFORDABILITY.

At Top Shelf Construction, we’re dedicated to making the dream of affordable homeownership a reality. Our commitment to quality craftsmanship meets affordability, as we create thoughtfully designed houses that cater to diverse needs. Emphasizing smart design and cost-conscious choices, we build homes that offer comfort, style, and value. Experience the satisfaction of owning an exceptional yet budget-friendly residence with our Making Affordable Houses services.

Ask us about our Interest Rate Buydown Incentive!

Scan the code to visit our website!

AFFORDABLE HOME LOANS OFFERED THROUGH:

Michelle Collins | Director of Sales | NMS #247780

DICKINSON, ND // 605-580-0233 // TOPSHELFCONSTRUCTIONUSA.COM

MEADE COUNTY SOUTH DAKOTA

ABSOLUTE REAL ESTATE & BUSINESS OPPORTUNITY AUCTION “HIGH PLAINS GENETICS” 98+- PRIME ACRES (COMMERCIAL/DEVELOPMENT) OFFERED IN 2 TRACTS & 1 UNIT

8,600 SQ. FT OF OFFICE/LAB 35,000 SQ. FT OF BARNS/SHEDS APPROX 80 STEEL PENS/RUNS 1578+- SQ. FT. MANUFACTURED HOME Live Public Auction, with simulcast online bidding available

WEDNESDAY

JANUARY 10, 2024

10:30 AM MDT

Auction held at the Property - 13171 High Plains Place, just NW of I-90 exit 44, Piedmont SD High Plains Genetics is a 40-year livestock breeding facility located between Rapid City and Sturgis SD with easy access via the I-90 service road, exit 44.

Tract 1 - 22.9+- Acres and Improvements: This impressive facility features deluxe office/laboratory building, main barn with 36 interior/exterior livestock runs, 10 plus additional barns/sheds with over 50 various sized all steel livestock runs & pens, most with automatic waterers. 2 excellent wells provide both domestic and livestock water to the entire facility. Other improvements include 10 stud stalls, hay storage, shop, a comfortable 1578’+- manufactured home, and much more! Very capable and versatile onsite manager of 13+ years willing to remain with an Agri-Business opportunity. High Plains Genetics remains open on a limited basis, serving decades of repeat customers.

Tract 2 - 75.3 Undeveloped Acres: Currently in native grass hay, this gently rolling tract features nearly ¼ mile frontage on “Sturgis Road”, the I-90 service road, adjacent to “Jack’s Campers” along with other businesses and residential neighborhoods in this rapidly growing area. Consider this tract for expansion of the Tract 1 facilities, OR, for any number of commercial and/or residential uses!

Terms and Conditions of Auction: Absolute Auction, selling to the highest bidder(s) without minimum or reserve bid! Offered in 2 Tracts or as one entire unit, selling in the manner realizing the greater return. Successful bidder(s) shall deposit 15% irrevocable earnest money auction day, with the balance due upon closing within 30 days. Warranty Deed and policy of Title Insurance furnished by Seller. 2023 & prior property taxes paid, 2024 taxes prorated to closing date. Title insurance commitment, Meade County data, additional information available prior to the auction for your inspection at www.bradeenauction.com. Descriptions are believed accurate but are not guaranteed. Selling “As-Is, without warranty of any kind” except as to title, inspect to the extent deemed necessary, both on and off premises, and rely upon your own judgment when bidding. Auctioneers/Brokers represent the Seller in this transaction.

Property Inspection: Auctioneer/Brokers will be at the property on Wednesdays December 20th, 27th & Jan. 3rd, and Friday Jan. 5th from 12:00 to 3:00 pm each day, or by appointment. Also, feel free to contact your local Real Estate Professional.

Broker participation invited, call for required form and deadline.

Note: This is a live absolute public auction, conducted at High Plains Genetics, 13171 High Plains Place, Piedmont, SD at 10:30 am Jan. 10 th 2024. Online simulcast bidding and pre-bidding is available to pre-registered bidders, if you desire to bid remotely. Call for details. The personal property portion of the auction will be Online Bidding only, opening Thursday Jan 4., and closing after the Real Estate Auction at 3:00 pm.

Auctioneers Note: Location, Location, Location. . .Just minutes to Rapid City, Sturgis, Deadwood and the Black Hills of SD. Consider purchasing to continue as a livestock breeding facility, OR any number of horse/livestock boarding/training, arena, veterinary, or other applications. Offered in two tracts, 22.9+- acres with all improvements AND 75.3+- acres of prime residential or commercial development property, or as the entire 98.2-acre unit.

The opportunities are endless for this well-located, high visibility property.

EQUIPMENT - PERSONAL PROPERTY AUCTION: Also selling at the conclusion of the Real Estate Auction, by online auction, in individual lots, all equipment and fixtures of High Plains Genetics including; S530 Bobcat loader and attachments, 4x4 pickup & flatbed, trailers, Silencer hydraulic squeeze chute, Millermatic Bobcat portable welder/gen, livestock equipment, panels, Zeiss CASA system, IMV straw filler, 10- MVE Cryogenics nitrogen tanks, Domino straw printer, Multimc phase contrast microscope, semen collection equipment, office furnishings, etc. Real Estate buyers will have the opportunity to purchase all needed to continue the business of High Plains Genetics or any Agri-business application. See www.bradeenauctions.com for details.

See www.clarklandbrokers.com or www.bradeenauction.com for terms, conditions, maps, photos, showing dates & information.

Auction professionally managed by:

605-210-0337

For more information, please contact Teresa at teresa@michelscom.com or Hanna at hanna@michelscom.com

DIRECTORY Black Hills Federal Credit Union.............................................. Pages 1, 2

Re/Max Advantage ............................................................... Page 30-31

Black Hills Realty....................................................................Page 24-25

Re/Max Results............................................................Pages 3, 9, 15-22

Blue Ribbon Mortgage & Investments........................................ Page 27

Re/Max in the Hills...................................................................... Page 24

Bradeen Real Estate & Auctions................................................... Page 8

Security First Bank...................................................................... Page 32

Coldwell Banker Legacy...................................................Pages 4, 11-13

Shepherd Meadows.................................................................... Page 33

Hewitt Land Company..........................................................Pages 28-29

Splash City Rapid City.................................................................. Page 4

Highmark Federal Credit Union.................................................. Page 26

The Real Estate Group Inc.......................................................... Page 10

Keller Williams............................................................................. Page 26

Top Shelf Construction...............................................................Page 6-7

McPherson Auction & Realty Co................................................. Page 14

Uhre Real Estate............................................................................ Page 5

Northwestern Mutual................................................................... Page 34

United Country Real Estate......................................................... Page 23

Olsen Real Estate........................................................................ Page 10 Real Estate Guide, formerly RE605 Magazine, is a monthly magazine featuring properties for sale by members of Black Hills Board of REALTORS®, Inc. All information contained herein is obtained from the Multiple Listing Service and related sources. Real Estate Guide is not responsible for any errors contained in the data set forth in this publication. Real Estate Guide makes no representations or warranties, expressed or implied, as to any properties listed in this advertising publication. Any reader interested in any property displayed herein should contact a licensed REALTOR® for verification of all information pertaining to any listing and should in all events exercise independent due diligence prior to purchasing any property or business described herein. All information regarding any listing advertised herein is subject to immediate change without notice. Any advertising contained herein by providers of goods and services of interest to property owners and potential property owners contains material and information supplied solely by the advertiser and Real Estate Guide is not responsible for the contents of any ads.

Equal Housing Opportunity: All real estate advertised in this newspaper is subject to federal and state fair housing laws, which prohibit discrimination on the basis of race, color, religion, national origin, ancestry, sex, age, handicap, lawful source of income, sex or marital status of the person maintaining the household, familial status and sexual orientation. We will not accept advertising indicating and intention of discrimination. Our readers are informed that all dwellings advertised in this newspaper are available on an equal opportunity basis.

MLS: # 165939 • $425,000

8526 HEALING WAY RAPID CITY, SD 1240 Jackson Blvd., Rapid City, SD 605-341-4100 YANNIGEORGASTEAM.COM

This 2-bedroom, 2 bathroom is located in a brand-new subdivision. The contemporary design features quality finishes, including granite countertops, stainless steel microwave, dishwasher and sleek cabinetry. The windows in this home provide plenty of light. The location of this townhome is unbeatable, with easy access to restaurants, shopping and entertainment that Rapid City has to offer.

Stephanie Steele Yanni Georgas Broker Associate 605-484-2814

Broker Associate 605-381-2227

Lisa Boorman Chris Boorman Broker Associate 605-484-2020

Broker Associate 605-415-2122

Page 10

Black Hills Real Estate Guide

January 2024

23750 HWY 240, Wall, SD PRICE REDUCED! $599,000 A fabulous house, over 4 acres, no covenants, 360° of marvelous views, wow your family and guests with the spacious kitchen and dining room. Plenty of room for guests to sleep as well. With 7 bedrooms and 4 bathrooms, you will have all you need. Currently being used as a bed and breakfast with great touches separating living spaces.

Just a few miles outside town from the very popular Wall Drug and Badlands National Park. It’s a great location, location, location! Way too much to list here; come take a look for yourself to appreciate.

Motivated sellers, make an offer!

DANNY COX

605.484.9699 | dannycox01@gmail.com

2.46 ACRES WITH I-90 FRONTAGE!

A VALUABLE LOCATION FOR YOUR BUSINESS!

SUMMERSET MEDICAL CLINIC

• GREAT VIEWS OF HILLS – Front Range Environment • BLACK HAWK/SUMMERSET/PIEDMONT Corridor • HIGH TRAFFIC I90 EXPOSURE (23,250 – 2021) • 0% - 5 YEAR PROPERTY TAX ABATEMENT • ALL UTILITIES INCLUDING 3PH POWER • BETWEEN BH POLARIS & MILLIRON GRANITE/QUARTZ

• PROFESSIONALLY DESIGNED AS A MEDICAL CLINIC • TIMELESS ARCH DESIGN W/STONE, STUCCO, BEAMS • VERY AFFORDABLE LEASE, ON PREMISE LANDLORD • MULTIPLE PATIENT, PROCEDURE, AND WAITING ROOM • HIGH QUALITY EXTERIOR AND INTERIOR FINISHES • PAVED PARKING INCLUDING ADA TO BUILDING • RECENTLY REMODELED & MOVE IN READY • AVAILABLE FOR LEASE

605-390-8868 PHIL OLSEN, BROKER

605-390-8868 PHIL OLSEN, BROKER

POLSEN1@MIDCO.NET OLSENREALESTATE.COM

POLSEN1@MIDCO.NET OLSENREALESTATE.COM

HIGH TRAFFIC STURGIS RD. LOCATION!

Page 11

Black Hills Real Estate Guide

January 2024

DAVID OLSEN

Commercial Buildings Commercial Leases Income Producing commercialcblegacy@gmail.com Property www.davidtolsen.com Commercial Land Unique Businesses SERVING THE MASSES SOUTH OF TOWN

605-484-9744

6015 Mount Rushmore Rd., Rapid City, SD 57701 Office: 650-343-2700 Toll Free: 888-343-2710

INVEST IN STURGIS, SOUTH DAKOTA

IN STURGIS, ON BOULDER CANYON ROAD TO DEADWOOD!!

SMALLER LOTS AVAILABLE

46 ACRES FOR SALE

PLATTED LOTS, COMMERCIAL ZONED LAND ALL UG UTILITIES TO LOT LINES - FINISHED STREETS & CURB CUTS PLUS 14 BILLBOARDS ONSITE TAX INCREMENT FINANCING AVAILABLE FROM CITY MLS# 160336 CALL DAVE 484-9744

FOR SALE

1901 5TH STREET, RAPID CITY

2,400 SF, GARAGE, SHOW ROOM, ½ BSMT MLS# 165911 ZONED GEN COMMERCIAL

WILL BUILD TO SUIT SEGER DRIVE, RAPID CITY 2,500 SF UP TO 20,000 SF

CUSTOM TO YOUR NEEDS 5-YEAR LEASE MIN CALL DAVE 605-484-9744

19 AC & DEEP WELL FOR YOUR MOBILE / RV HOME PARK

AGENTS

THAT SHINE

Like No Others

TRUE BLUE TOP PERFORMERS IN NOVEMBER TOP LISTING ASSOCIATE TOP PRODUCING ASSOCIATE

CUSTOMER SERVICE ASSOCIATE

Lisa Mueller Diane Wilcox

Faith Wendt

THE #1 COMPANY TO GUIDE YOU HOME Visit our website at BHLegacy.com or call 605-343-2700 Find us on Facebook!

Find us on Google!

Page 13

Black Hills Real Estate Guide

January 2024

507 MEADOWLARK DR Box Elder, SD

For Sale!

3 BED // 2200+ SQ FT// .5 ACRES GARAGE AND CARPORT $299,900

STEPH HOLDINGHAUSEN BROKER ASSOCIATE

CELL: 605-484-6781 BUYSELLWITHSTEPH@GMAIL.COM WWW.BLACKHILLSLIVINGWITHSTEPH.COM

SOLD! Is your home next?

Sold

Pending

FREE HOME VALUATION

Sold

Sold

Sold STEPH HOLDINGHAUSEN BROKER ASSOCIATE

CELL: 605-484-6781 BUYSELLWITHSTEPH@GMAIL.COM WWW.BLACKHILLSLIVINGWITHSTEPH.COM

Page 14

Black Hills Real Estate Guide

January 2024

Going once.. . .

Going twice.. . .

SOLD WITh McPherson! a bid above the rest

MCPHERSON AUCTION - GETTING THE BEST BUYERS AND HIGHEST PRICES FOR OVER 70 YEARS!

MCPHERSONAUCTION.COM

KEVIN MCPHERSON, BROKER ASSOCIATE | (605) 484-1781 TODD MCPHERSON, BROKER ASSOCIATE | (605) 381-1594 PO BOX 8204 • RAPID CITY, SD OFFICE: (605) 348-1369 | TOLL FREE: 1-800-685-1369

A FULL SERVICE AUCTION COMPANY SINCE 1949!

Page 15

Black Hills Real Estate Guide

January 2024

DanaVogt trau222057@aol.com tomrau.net 605.341.4300 Cell 605.390.2735

Cell: 605.381.2095 Office: 605.341.4300 www.danavogt.com RESULTS

MEHLHAFF CONSTRUCTION NEW HOMES

New Residential Lots

• Scotland Hills is located in southeast Rapid City, within minutes of Monument Health Hospital, shopping and downtown Rapid City!

• Mehlhaff Construction, a premier home builder, will custom-design your new home!

• Mehlhaff Construction has 6 special lots all with south facing front yards

and each with walk-outs to your treed backyard!

• Let us help you customdesign your new home!

• Protective covenants will be included in the purchase!

• Please call either Dana Vogt or Tom Rau for additional details!

RESIDENTIAL LOTS / LAND Saddle Ridge Subdivision

• The Saddle Ridge Subdivision is conveniently located near shopping and medical facilities in southeast Rapid City!

• Take 5th Street south from Rapid City Regional Hospital turning right on Minnesota Street and left on Shaker Drive.

• Mehlhaff Construction will exclusively build your new home on 5 designated lots!

• Covenants, plats and building agreements are available for your review!

• Please call either Dana Vogt or Tom Rau for additional details!

The Ridge at Enchanted Pines!

• The Ridge at Enchanted Pines Subdivision is conveniently located near shopping and medical facilities in southeast Rapid City!

• Take 5th Street south from Rapid City Regional Hospital turning right on Enchanted Pines Drive Street to Stumer Drive. Turning right on Stumer, the subdivision is located on Stumer Drive and Ranchester Street!

• Mehlhaff Construction has covenants, plats and building agreements available for your review!

•W e also have 2 lots available on Conestoga Ct. where Mehlhaff Construction will exclusively build your new home!

•P lease call either Dana Vogt or Tom Rau for additional details!

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Black Hills Real Estate Guide

January 2024

INVESTMENT OPPORTUNITY!

· This well established industrial park has a proven track record of tenants, · The office building has 6,230 sq.ft. of main floor lease space and 4,000 low vacancy and profitability! sq.ft.+/- in the basement. The basement has room for either storage or · Excellent access to I-90 fronting on Deadwood Avenue and Rand Road! completion for additional office space! · The buildings are a combination of concrete block construction and steel · The 11.98 acre site has room for either additional expansion or storage frame construction which have all received exceptional care! · Buyers will need to provide proof of financial capacity before viewing this · The lease space for the five light industrial buildings totals 80,100 sq.ft.! property which is being shown by appointment only! · Priced at $6,995,000 please call Tom Rau for additional details!

MLS#166136

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Black Hills Real Estate Guide

January 2024

FOR SALE / FOR LEASE

Professional Office/Medical Building on Jackson Blvd!!

• High Traffic location for this professional office building which has great curb appeal in West Rapid City!

• This building, with 9,452 Sq. Ft. Is For Sale or For Lease and has three suites with two of the suites having immediate availability and one suite currently being leased!

• One of the suites with immediate availability on the upper level has 5,114 Sq.Ft. that has previously been utilized for a medical office.

This space features a welcoming reception and waiting room, 14 exam/office spaces, clerical support staff areas, conference room and employee break room. This space is available for lease at $20/Sq.Ft. NNN!

• The lower level suite with immediate availability was utilized as a professional office and has approximately 2,352 Sq.Ft. This suite has a private entrance/reception area, six spacious offices, support staff locations and employee break room! This space is being offered for lease at $18/Sq.Ft. NNN! • The building is also being offered For Sale at $2,449,000.

MLS# 166589 • Please contact either Tom Rau, RE/Max Results at #605-390-2735 or Chris Long, Keller Williams Black Hills at #605-939-4489 for more details or to arrange your personal tour.

• Shown by appointment only.

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Black Hills Real Estate Guide

January 2024

LIGHT INDUSTRIAL LAND DEVELOPMENT OPPORTUNITY! Legend

Rapid City - Pennington County GIS Roads

Interstate US highway SD highway County highway Main road Minor arterial Collector Ramp Paved road Unpaved road Unimproved road Trail Airport Runway Not yet coded

Section Lines 0-25k Tax Parcels Lot Lines <Null> Lot Line Parcel Line

· Excellent 159.55 acre site located within 1/2 mile north of I-90 Exit 55 on Deadwood Avenue provides a rare opportunity for either a single use site or development opportunities!

1: 10,020

Map Notes:

· This site has development opportunities for uses requiring a larger sites with excellent access to I-90!

1,669.9

0

834.97

1,669.9 Feet

This map is a user generated static output from an Internet mapping site and is for reference only. Data layers that appear on this map may or may not be accurate, current, or otherwise reliable.

THIS MAP IS NOT TO BE USED FOR NAVIGATION

· This site has been utilized as agriculture purposes and is one of the only large tracts of land available between I-90 Exits 61 and 55!

NAD_1983_StatePlane_South_Dakota_South_FIPS_4002_Feet © Rapid City-Pennington County GIS Division

· This property is being shown by appointment only! Please call Tom for additional details! · The list price for this property is $4,000,000. MLS#166177

COMMERCIAL PROPERTIES FOR SALE / FOR LEASE

Great Office Building in an Excellent Location!

• Great office building with over 5,600 finished square feet which has received upgrades throughout and has the potential for a multitude of uses!

• The main floor entrance has a great reception waiting area which leads to the main

• This property has an abundance of parking for 25-30 vehicles!

• An added bonus is the 48x30 metal building which provides the opportunity for storage of vehicles and equipment!

floor conference room with built-in cabinetry, four large private offices, one large

• Building can be leased to $4,725 monthly on a NNN lease.

• The lower level features a kitchenette area, large break area/conference room with

Chris Long, Keller Williams Black Hills at #605-939-4489 for more details

space that can accommodate up to four cubicles, copy room and two bathrooms!

built-in cabinetry, large space to accommodate up to six cubicles along with three large private offices!

• Staircases on both ends of the building provide great access to the lower level!

• Please contact either Tom Rau, RE/Max Results at #605-390-2735 or or to arrange your personal tour.

• Priced at $785,000. MLS#164138

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Black Hills Real Estate Guide

January 2024

COMMERCIAL SITES/MDR LAND

Prime General Commercial Location • Prime general commercial location just east of the LaCrosse Street and East Mall Drive intersection!

• This 7.23-lot has a dedicated entry on East Mall Drive and a shared access with Hilton Garden Inn Hotel. Disk Dr. also provides an additional ingress/egress on the south side of the lot.

• This fast developing major artery is one of the main access points to Fleet Farm!

• Priced at $1,995,000 MLS # 158004.

• Please call either Tom Rau, RE/Max Results at 605-390-2735 or Chris Long, Keller Williams Realty Black Hills at 605-939-4489.

Retail Sites Near Rushmore Crossing/Sam’s Club!

• Excellent retail location near the rapidly expanding Rushmore Crossing on Luna Ave.!

• We have a 2.1-acre lot and a 1.3-acre lot both located near Pizza Ranch and southwest of Sam's Club!

• Excellent access and visibility!

• Priced at $6.95 and $7.95 per sq. ft.!

• Call Tom today for the details!

MLS#161669 & 161670 • General commercial and light industrial!

• Lot sizes from 1.6 acres to 14 acres!

• Seller will consider subdividing to suit your needs!

• Excellent location north of I-90 Exit 61!

• Minutes from Rapid City!

• Excellent prices with covenant protection!

• East Mall Drive near Cabela’s and the Tractor Supply store!

• Call Tom Rau for details! 153670, 153671, 153672, 153673 and 153686.

Retail or Professional Office Catron and 5th!

• Owners of this 2.48-acre lot will build a retail or professional building and lease back to qualified buyers! Sizes available up to 10,000 sq. ft.!

• Great visibility and access located directly south of the new Arby’s on 5th St., and near the new southside Walmart!

• For sale at $1,195,000 MLS #164330 • Call Tom today for the details!

New Light Industrial Development in Box Elder!

SOLD

SOLD

SOLD

SOLD

• The 60-acre RDO subdivision has great accessibility to I-90 Exit 61 and fronts the newly extended East Mall Drive to Elk Vale Rd.!

• The subdivision has been zoned light industrial and has covenants in place to provide continuity in the subdivision!

• MLS # 162324!

• Call Tom today for all of the details!

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Black Hills Real Estate Guide

January 2024

FARM / RANCH / DEVELOPMENT / LAND LISTING Great Office Building with Interstate Exposure!

• This well-maintained two level office building has 5,992 finished square feet with a desirable floor plan and a detached storage building!

• High visibility from I-90 and easy access onto Haines Avenue!

• Great parking with over 30 parking spaces!

• The building has received recent updates including a new roof, fascia, gutters, siding, exterior doors just to name a few!

• Priced at $1,095,000 and also available for lease at $13/sq ft NNN. MLS#166288 • Please contact either Tom Rau, RE/Max Results at #605-390-2735 or Chris Long, Keller Williams Black Hills at #605-939-4489 for more details or to arrange your personal tour.

Great Ranchette and Development Opportunity!

• The Black Hills and Black Elk Peak can be seen in the western skies from this beautiful 321 acre parcel which is located East of Radar Hill Road at the end of 229th Street!

• The property has been farmed for wheat and has a great shelter belt bordering the property along its northern boundary with excellent access throughout the property!

• The property has an abundance of wild game including antelope, partridge and Canadian geese!

• The property will require an appointment to view the property through the listing agent and we are requesting that all interest parties contact either their real estate agent and Tom to arrange a showing!

• Please contact Tom Rau at 605-390-2735 for additional details!

• The property is listed at $1,488,837 which is $4,650/acre. MLS#166137

Avoid Crowds!

• We are offering this great 19.95-acre lot which is located at the end of the cul-de-sac and is within 5-10 minutes of both Box Elder and Rapid City!

The lot is approximately 3 miles north of Exit 61/Flying J Truck Stop on Elk Vale Rd. turning right on 225th Street.

• Excellent flat building site with views of the Black Hills provides the perfect setting for you dream house with plenty of room for outbuildings!

• Excellent grass for horses and the water depth for a private well is under 150ft with the boundaries already fenced!

• Covenants are in place to help protect your investment!

• Priced at $300,000. MLS #164139 • Please call Tom today for all of the details!

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Black Hills Real Estate Guide

January 2024

TEAM STACEY NELSON

STUART MARTIN

TRACY POWERS

605-390-9028

605-390-4227

605-484-2865

Broker Associate

stacey.nelson@remax.net

Broker Associate

stuart@stuartmartin.com

Licensed Assistant

tracy@stuartmartin.com

1240 JACKSON BLVD., RAPID CITY, SD OFFICE: 605-341-4300

w w w. s t u a r t m a r t i n . c o m

3810 JACKSON BLVD, RAPID CITY, SD $1,325,000 - MLS#16665

16556 WILLOW WOOD ROAD, PIEDMONT, SD $719,900 - MLS#166646

1625 11TH ST, RAPID CITY, SD $735,000 - MLS#166393

• 7,136 Total Sq.ft. – 25+ Parking Spots • Ideal for Medical, Dental or Legal office • Great West side Location • Large Reception and Waiting Room Areas

• 6 beds, 2 baths, 3,300 sq ft • Engineered hardwood floors • Stacked stone gas fireplace, huge family room • Great curb appeal - 3 Acre Lot

• 3 bedrooms, 3 bathrooms, 2,897 sq ft • Remodeled to perfection, 3” Red oak floors • Fireplace in the living room, main floor laundry • Spacious family room, reading nook and a sauna

803 WEST BLVD, RAPID CITY, SD $550,000 - MLS#166492

6661 RECEDA STREET, RAPID CITY, SD $415,000 - MLS#166327

620 CIVIL WAY, BOX ELDER, SD $359,900 - MLS#164112

• Located in the Historic West Blvd • 3 beds, 1.5 baths, 2,161 sq ft • Covered porch, many updates, wood fireplace •Convenient location to hospital, restaurants, & shopping

• New construction tri-level home • 4 bed, 3 baths with over 2,000 sq ft • Vaulted ceiling on main • Located in Prairiefire Subdivision

• 4 beds, 2 baths, 1,837 finished sq ft • New-construction home. Move-in ready!

• Located in Libery Park Subdivision • All kitchen appliances included

628 CIVIL WAY, BOX ELDER, SD $369,900 - MLS#164111

15871 HAMMERQUIST ROAD, CAPUTA, SD $245,000 MLS#165600

2 LOTS POWDER HOUSE PASS $350,000 MLS#166584 | $299,900 MLS#166556

• 4 beds, 2.5 baths, 2,041 sq ft • New construction home. Move-in ready!

• Located in Liberty Park subdivision • All kitchen appliances included

• Covenant free almost 12 acres • 1 bed, 1 bath home with additional building • Original town of Farmingdale • Features a well, septic & electric

• Premier area just outside of deadwood • Community building with year-round heated outdoor pool, patio, club room, bathrooms & pool tables.

• Surrounded by ponderosa pine trees

TBD PLACER PL, HILL CITY, SD $235,000 MLS#164342

TBD LONESOME DOVE ST, BOX ELDER, SD $84,900 - MLS#163620

1339 E NORTH STREET, RAPID CITY, SD FOR LEASE - MLS#166220

• 1.27-acre buildable lot • Nestled in The Reserve at Remington Ranch • Easy access to countless outdoor activities • Protective covenants

• Amazing buildable lot with almost 6 acres • 10 minutes to Ellsworth AFB • Entire lot is fenced • Wide open space

• Endless opportunities • Current use is a Daycare • 6.000 sq ft, plenty of off-street parking • Great high traffic location

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Black Hills Real Estate Guide

NEW LISTING

January 2024

816 ENCHANTMENT RD., RAPID CITY | $879,000 MLS#166304 | 6 BED, 4 BATH | 0.95 ACRES | 4,000 SQ FT. This beautiful 4000 sq ft home with great curb appeal sits on nearly an acre lot with no neighbors behind and features 6 bedrooms, 4 bathrooms and 4 car heated Garage. Convenient location in highly desired Enchanted Hills subdivision. Primary En Suite and laundry on main floor. Large Family room in basement includes Theater system. Fenced back yard with large garden area and good size deck for entertaining and Hot Tub. This is a must see home!

CHRIS SUPPLY

NEW LISTING

114 E. BLVD N. | $350,000

MLS#166568 | TURNKEY BUSINESS READY TO GO Iconic Rapid City Wholesale and Retail Business with reputation for having “what no one else does” and great customer service. This Electronic, Appliance and datacom parts business provides consumer and business clients with components and parts needed to complete a variety of installations. Well established clients and lots of opportunity for expansion. Business only, no Real Estate.

Call Lisa Dorsey 605-390-8539 or Gene Hensley 605-391-4300 Remax Results for more information.

LISA DORSEY

BROKER ASSOCIATE • 605-390-8539 • LISADORSEY@REMAX.NET Re/Max Results Office: 1240 Jackson Blvd., Rapid City, SD 57702

GOOD ADVICE AND NICE

GOLDEN OPPORTUNITY

Nowadays a recession-proof business generating a consistent source of income is very valuable. This well-respected assisted living facility continues to provide compassionate care for its residents & has a solid future. 16 beds, 10 rooms & a 24-hour staff.

Call Dan today!

1542 Davenport St. $590,000 • MLS #164708

ACQUIRE THIS FOURPLEX

Tenants enjoy 2 bedroom apts., garages & patios with privacy fences. Separate meters & maintenance-free siding further enhance the property’s desirability. Perfect buy for an investor looking for a constant income stream & an excellent cap rate.

2617 Cottontail Rd. $750,000 • MLS #163828

WESTSIDE CONDO

DEVELOPMENT POTENTIAL

This 94-acre property is an amazing opportunity. Potential to develop commercial lots or home sites. 13 water taps are already in place. There’s a water tower bordering the land & Summerset has a future sewer line right up to the property. There’s flat ground for houses, lots and beautiful pines for high-end homes. It also has a a classic, all one-level, ranch style home & a really cool barn.

8339 Stage Stop Rd. $4,000,000 • MLS #164236

FAR-REACHING VIEWS

Experience carefree living in this cozy 2 bedroom, 2 bath corner unit. In-floor heat to keep your toes toasty & a patio with hot tub wiring if you choose to have one. Easy access, plenty of parking & minutes from ball fields, parks & the golf course!

Wait until you see this 3-acre building site near Custer State Park! It’s breathtakingly beautiful with views of Black Elk Peak, the Needles, even the Badlands. Plenty of seclusion, yet easily accessed off Hwy. 79. Enjoy fresh air, blue sky & a one-of-a-kind setting!

1632 Evergreen Dr. $205,000 • MLS #166117

TBD Eagles Nest Dr. $300,000 • MLS #166147

Page 23

Black Hills Real Estate Guide

January 2024

8971 S. Highway 16

Rapid City, SD • $8,750,000

Rare opportunity to own the Black Hills’ famous Dinosaur Museum! Or build your own vision! Located next to one of the oldest and largest attractions in South Dakota: Reptile Gardens. The 4.14-acre property offers the Dinosaur Museum, Toy Museum, cabin, sheds, house, mini golf and maze. Attractions along this stretch of highway are the first stop for people heading to Mt. Rushmore. Buyer has the opportunity to purchase businesses with property, with management and property owner willing to offer transition of company ownership. A licensed tree farm also operates on the property. Attracting thousands of visitors a year, the museum, a 12,000 sq.ft. building, has rare fossils, two public restrooms, gift shop, and life-size displays that are some of the world’s most realistic and accurate sculptures of popular species on display, including velociraptor, pterodactyl, and the fearsome tyrannosaurus rex (both museums are ADA compliant).

MLS# 76555

3931 Ponderosa Trl.

Rapid City, SD • $795,000

Here is your chance to own this one-of-a-kind dream home! This custom home was built in 1979 and has beautiful landscaping with privacy and seclusion inside the city limits, yet minutes away from all of the amenities. Sitting on 0.62 acres, there is plenty of space for your family, friends and pets to enjoy.

At 3,012 sq.ft., this home features 1 master suite, 3 bedrooms, 3 full baths, 1 half bath, laundry room, 2 living rooms, and a 2-car garage. As you walk in the front door, you will see a coat closet and half bath which opens up to the living room, kitchen and dining room. From the dining room you can walk down to another living room. Both living rooms have beautiful gas insert fireplaces with original stones from the Black Hills National Forest. As you walk downstairs you will find a full bathroom, bedroom, crawlspace for storage and a walk-out door that leads you to the backyard. The upper level has a full bathroom in the hallway, 2 bedrooms, and the master bedroom that includes his and her closets on both sides, master bathroom and a walk-out deck.

MLS #76963

16000 2nd St.

Piedmont, SD • $80,000

Are you in search of your dream home’s perfect canvas? Look no further! We’ve just listed a fantastic property in Piedmont, South Dakota. This amazing property is located at 16000 2nd St, Lot 15, Piedmont, SD 57796, and it’s priced at $80,000. This manufactured home was built in 1995. As you walk into the front door, you will walk into the kitchen and the living room. In between the Kitchen and the Living Room is the closet for the Washer and Dryer. once you make your way to the hallway, you will find a bathroom and two bedrooms. Why Does This Property Stand Out: It’s nestled in the heart of Piedmont, SD and is move in ready. Families will appreciate the proximity to excellent schools, simplifying your daily routines. This property is your blank canvas for creating the lifestyle you desire. Your Dream Home Awaits!

Lot rent is $400/mo. Water filtration system added to home before the MH Park got City water. Home can be moved. Don’t let this opportunity slip through your fingers. Act now to schedule a viewing and have all your questions answered.

We’re here to assist you in turning your home ownership dreams into reality.

MLS #78084

Ali Larson & JessicaDavis Broker Associate 605-347-1216 ali@agteamland.com ucagteamland.com

2014 Main St. Sturgis, SD

Broker Associate 605-280-9764 jessica@agteamland.com ucagteamland.com

Your Recreational Property Specialists

Page 24

Black Hills Real Estate Guide

January 2024

Getting Results That Move You BRING YOUR OWN BUILDER!

2410 5th Ave., SPEARFISH

1.72 Acres For Sale! • $89,400

A Dream Property!

Cassandra Brown Realtor/Broker (605) 920-0391 cassandrabrown@mail.com

1145 North Main St. Spearfish, SD 57783

2019 9TH ST., RAPID CITY, SD $450,000

MLS #164837

Amazing move in ready West Boulevard home. It has been extensively updated including new siding, electrical, insulation, Pella clad windows, tile flooring, roof, gutters and sewer line. Two large Pella sliders open onto the private back patio for entertaining. All these updates lend to a low maintenance lifestyle! Back yard is fenced in white metal for you kids and pets protection. Lots of garden space too. Huge master suite with updated bath. 4 bedrooms, 2 baths and a two car garage. MLS# 164837. Call 605-939-8656 today or your Realtor for a private showing.

Arthur Koscielski (605)939-8656

BUYING & SELLING REAL ESTATE,

Simplified

(605) 791-2249 | WWW.BHSDREALTY.COM

1050 VALLEY DR., RAPID CITY

17555 STURGIS RD, PIEDMONT

TBD SUN RIDGE RD, RAPID CITY

9350 NECK YOKE RD., RAPID CITY

6 Units with 15 Apartments Per Unit $18,500,000 • MLS# 160050

12 Residential and 3 Commercial Units $3,149,000 • MLS# 161435

Secluded 70 Acre Parcel $1,790,000 • MLS# #162157

Bed & Breakfast, Resturant, Campground $1,635,000 • MLS# #165085

4250 HARVEST LN, PIEDMONT

653 TEXAS, RAPID CITY

2019 9TH ST., RAPID CITY

2103 ARROW., RAPID CITY

5 Bed, 3 Bath, 3.05-Acres Home $635,000 • MLS# 165883

5 Bed, 2.5 Bath, Quiet Cul-de-Sac $575,000 • MLS# 165876

4 Bed, 2 Bath, Newly Updated Home $450,000 • MLS# 164837

5 Bed, 2 Bath, Recently Remodeled $449,900 • MLS# 164826

2722 LANARK RD, RAPID CITY

HOT SPRINGS LOT

PASS CREED ROAD, CUSTER

TBD TROLLEY TRAIL CT., LEAD

4 Bed, 2 Bath, Oversized Garage $394,900 • MLS# 166285

2.9 Acres, Angostura Lake Views $345,000 • MLS# 165114

2 Acre Lot, No Covenants $174,900 • MLS# 165417

.44 Acres in Powder House Pass $165,900 • MLS# 161971

TJ WOJTANOWICZ 605.863.1920

ANGELICA WOJTANOWICZ 605.863.1921

DREW YEOMAN 605.484.5392

NICK DOWLING 605.484.8988

JILL VAN’THUL 605.593.3242

JERILYN SURIDIS 605.381.0836

SERGIO COLICHESKI 605.381.5411

JUSTIN DIKE 605-877-4027

JESSICA STEHMAN 605.391.3038

ARTHUR KOSCIELSKI 605.939.8656

SHELLEY DEGON 605.646.3128

KARI GUGE 605.631.0166

TRAVIS HAAN 605.451.2344

KEVIN KENNEDY 605.431.5094

DANTE COLICHESKI 605.484.2322

CIERRA VANDERPOL 605.593.1909

KARISSA KETTERLING 605.981.0752

KATIE PRALL 605.206.1962

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Black Hills Real Estate Guide

Considering a CAREER as a REALTOR® or PROPERTY MANAGER? Find out how to be SUCCESSFUL from

CAROL’S CLASSES LLC 605.390.2338 or carol@carolsclasses.com

January 2024

New Year New Home will guide you!

Instructor / Owner / Active REALTOR®

Carol’s Classes LLC www.CarolsClasses.com

An ARM Can Open Doors For You Ready to make a real entrance through the front door of your new home? Make it happen with an Adjustable Rate Mortgage (ARM) from Highmark.

With an ARM you'll take advantage of lower initial monthly payments and start building equity. When it comes to deciding what ARM option is best for you, our Mortgage Lending team will use their local knowledge, expertise, and years of experience to unlock the perfect home loan.

Call us at 605.716.4444, or apply online at highmarkfcu.com and find out more about the doors we can open for you.

highmarkfcu.com | 605.716.4444 ARM Real Estate Monthly 7.51x4.81.indd 1

The Highmark Mortgage Lending team - pictured from l to r: Carrie Grable, LaNell McDonald and Brenda Koehne.

8/17/22 5:37 PM

OPENING DOORS

CHRISTINA RIEMENSCHNEIDER

BRANCH MANAGER, LMO NMLS#175203

PAMELA PERRET

AND CLOSING LOANS IN

SR. PROCESSOR NMLS#175834

BlueRibbonMortgage.com

NIKKI KARNA

SR. LOAN OFFICER NMLS#1974292

JOLENE BEVIER

SR. LOAN OFFICER NMLS#175841

605.343.8087

NMLS#1850

Page 28

Black Hills Real Estate Guide

January 2024

Page 30

Black Hills Real Estate Guide

January 2024

Dream Black Hills Home 13395 Woodcrest Court • Rapid City, SD 57702

• Situated on over 3 and half acres (some already fenced). Enjoy the views from

• From the kitchen access the covered back patio/pergola and large

the maintenance-free partial wrap-around, covered deck.

fenced area! Kitchen has backsplash, under cabinet lighting, soft-close

• Paved roads to the front step. Bring your toys!

cabinetry, solid surface counters and a 12x5 walk in pantry. Also built in

• Main level has 2 bedrooms and 1.5 baths. Upstairs has 4 bedrooms and 2 baths. Upstairs master is spacious with en-suite bath and walk in closet!

oven + gas cook top, professional refrigerator and stainless-steel farm sink.

• The home’s basement is 1,000 sq. feet to finish as you’d like – craft room,

• Main floor features a spacious primary bedroom with trayed ceiling, electric wall fireplace and door for outdoor access. The mater bath has custom tiled

home gym, theater or wine cellar! Possibilities are endless.

• The details everywhere are amazing -- iron banisters and stair handrails,

shower and large walk-in closet.

even the front of the kitchen island has stone work. Some gorgeous

• Living space has vaulted ceilings, built-ins, hardwood floors and 3-sided stone

trayed ceilings in main level dining also. Main house has new garage

fireplace. Even main-level laundry is well appointed!

• Second bedroom on main level is currently used as an office. Mudroom with access to attached 4-car garage (finished & heated).

doors!

• Outside 2-car detached garage/shop with unfished loft space above!

• Priced at $1,200,000. MLS #16642

EMILY TUPA REALTOR® 605.218.1690 Emily@CareBeyondClosing.com

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Black Hills Real Estate Guide

January 2024

New Year New Home

Let’s make your REAL estate dreams come TRUE!

CINDY GUTHRIE Broker Associate, ABR, SRS 605.484.1032 cindyguthrie1032@gmail.com

1331 W. Omaha St., Suite 200, Rapid City, SD 57701

from Your First Home. to your Last.

We’re the Bank for all you’re doing.

Security First Bank is here with competitive rates, flexible mortgage options, and personalized service to guide you through every milestone. Speak with your local mortgage loan officer today!

Stephanie Anderson Mortgage Loan Officer NMLS#1886919 NMLS#505011

805 5th St Rapid City, SD (605) 399-2740

New Listings!

Page 33

1717 E. Philadelphia Street | Rapid City, SD MLS#166481

January 2024

1717 E. Philadelphia Street | Rapid City, SD

MLS#165945

2 BED, 2 BATH, 1,773 SQ.FT. | $255,500

3 BED, 2 BATH, 1,528 SQ.FT. | $229,000

NEW FLOOR PLAN! 2023 Schult Built offers 2 bed rooms and 2 bathrooms with den. Premium West facing lot! Take in the great views from your covered porch. Price includes Frigidaire stainless-steel deluxe appliance suite, central AC, and gas forced air furnace.

All new stainless-steel appliances and central air unit. Stunning primary suite with huge walk-in closet. Bright & beautiful kitchen with a great pantry, breakfast bar and a combined dining area.

Sliding door off the kitchen gives great access to a small deck.

Living room features a built-in entertainment center.

1717 E. Philadelphia Street | Rapid City, SD

1717 E. Philadelphia Street | Rapid City, SD

MLS#163150

MLS#165282

3 BED, 2 BATH, 1,550 SQ.FT. | $227,500

Abundant natural light in this prow front home. The openplan living room, kitchen, and dining room are perfect for hosting friends and family. Primary suite has raised double vanities and a huge walk-in shower. Kitchen features a large island; farmhouse sink and all new Whirlpool stainless steel appliances.

3 BED, 2 BATH, 1,216 SQ.FT. | $155,500

This 2023 Schult built home features 3 bed 2 bath, mid kitchen with all new stainless-steel appliances. Bright and beautiful master suite with large walk-in closet. Home features 2x6 construction, hardboard siding with 20-year color lock warranty, storm doors and ceiling fan in the main living.

PET FRIENDLY • ACTIVE ADULT COMMUNITY • MAINTENANCE FREE! 605-415-9901

Theresa Bennington

(605) 431-0840

theresa.bennington@exprealty.com 420 E. ST Patrick St. STE 110, Rapid City SD.

5

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Black Hills Real Estate Guide

January 2024

FINANCIAL RESOLUTIONS YOU’LL BE ABLE TO KEEP IN THE NEW YEAR

By Julia Chang

You’ve counted down to midnight, lifted your glass and sung a chorus of Auld Lang Syne with all your favorite people. That’s your cue to start thinking about the resolutions you want to tackle in the new year.

Nestled among the common top goals foe 2024 like getting in shape, traveling and finding a new job is a financial resolution: saving more. And it makes sense — being financially fit is just as important as hitting the gym, and it can help you reach so many other dreams you have for your life, today.

The best way to help ensure success? Set some money-related resolutions you can actually keep. Here are five to get you started so that by this time next year, you can look back and be proud of all the goals you’ve accomplished — and the future ones you’ve already made progress on.

RESOLVE TO SET CLEAR GOALS

It’s great to want to do things like save more or get a new job, but to really improve your chances of successfully achieving your goal, break it down into steps. One popular way is the SMART method, which means you’re setting goals that are specific, measurable, achievable, relevant and time-bound.

Using this method, a goal to save more could look something like, “I want to save $100 extra each month for the next six months to put toward my July trip to Europe.”

Or a goal to find a new job becomes, “I want to apply to three jobs and attend two networking events by the end of March.” The more bite-size and specific you can be, the better.

RESOLVE TO ACCENTUATE THE POSITIVE It’s human nature to remember the bad stuff more than the good stuff — in behavioral science, it’s known as the negativity bias. But research has shown a link between feeling gratitude and achieving your money goals.

Essentially, feeling grateful fosters patience, which in turn helps you control habits like impulse shopping that can get in the way of reaching financial goals. So kick that negativity to the curb and think about all the good things that happened last year, and that will continue to happen in the new year.

One way to do that is to start a gratitude journal, where you write down a few things every day for which you feel grateful. That could be the winter family getaway that you’re planning now, or the warm cup of coffee that starts your day. Being reminded of the things you’re thankful for can help you stay focused on your bigger financial picture.

RESOLVE TO MAKE YOUR BUDGET REFLECT YOUR PRIORITIES

A budget isn’t just about tracking how much is going in and out of your checking account. Think of it as a means to accomplishing everything you want to do. It doesn’t matter if it’s the big birthday trip you want to take this year or the house you’re saving up for, , you should be taking those goals into consideration — as well as the things you want to enjoy today.

Your budget should account for things like your essential and fixed costs; your savings goals (an emergency fund, a dream vacation, retirement, your kids’ college, etc.); debt repayment; and your day-to-day spending. A budget shouldn’t feel restrictive, so factor in what makes you happy. For instance, if a twice-a-day latté is part of your routine, make room for that in your everyday spending.

If you’ve been dying to go on a Napa Valley wine tour or want to take a sabbatical before moving onto a new job, earmark those as savings goals.

RESOLVE TO GROW YOUR MONEY

Whether you’ve got a 401(k) that needs some extra love or an investment account you’re planning to use to fund a future goal, consider upping your contributions by just 1 percent. Chances are you’ll hardly miss the extra amount, and you’re using the power of compound interest to help your money grow even more.

And if getting a new job is on your to-do list for the new year, then take a close look at the work benefits a potential employer would offer — a 401(k) employer match is one of the easiest ways to grow your retirement nest egg. Gunning for a promotion this year? Consider raising your retirement or investment contributions beyond that 1 percent — then set aside some of your newly padded paycheck for having fun, too.

RESOLVE TO TREAT YOURSELF

You heard right. New Year’s resolutions, including financial ones, shouldn’t make you feel like you’re depriving yourself. You can still make room for the things that make you happy (see Resolution No. 3), even if you’re tackling other goals like paying down debt.

For instance, are you on track to make a final payment on a student loan this year? Bake in a treat to congratulate yourself, like a road trip to visit your best college buddies or that must-see concert for your favorite artist. Did you hustle to find a more satisfying and better-paying job this year? Maybe a spa day or a bed-and-breakfast weekend is in order. These mini-rewards remind you of the progress you’re making — and help you celebrate what you’ve accomplished so far.

If you’re still unsure of how to set a budget with your priorities in mind, consider meeting with a financial advisor to help you work through the process. An advisor can help you put together a budget and financial plan that account for the goals you have — and may even help you discover new ones.

TAKE THE NEXT STEP Our advisors will help to answer your questions and share knowledge you never knew you needed to get you to your next goal, and the next.

Matthew A. Culhane, RICP Managing Director

909 Saint Joseph Street Suite 202 Rapid City, SD 57701 matt.culhane@nm.com mattculhane.nm.com 605.999.9367

Northwestern Mutual General Disclaimer Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with longterm care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Longterm care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, brokerdealer, registered investment advisor, and member FINRA and SIPC. Investment advisory and trust services are offered through Northwestern Mutual Wealth Management Company (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals. Not all products and services are available in all states. Not all Northwestern Mutual representatives are advisors. Only those representatives with Advisor in their title or who otherwise disclose their status as an advisor of NMWMC are credentialed as NMWMC representatives to provide investment advisory services.

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