1012 28th St, Des Moines, IA 50311 Property Records

Polk County property record for 1012 28th St, Des Moines, IA 50311

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1917
Lot Size	0.101 acres (4,410 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Jul 2022)
Tax Bill	$2,944 (2024)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`090/03536-000-000`

Property Details

APN / Parcel Number

Primary APN	`090/03536-000-000`
Alternative APN	`782406235029`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	2,046 sqft
1st Floor Area	960 sqft
Upper Floors Area	192 sqft
Basement Area	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 2018
Exterior Material	Stucco
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,410 sqft (0.101 acres)
Lot Dimensions	98 ft deep x 45 ft wide
Porch	Enclosed Porch
Porch Area	126 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	1012 28TH ST
City	DES MOINES
State	IA
Zip	50311-4106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 45 F N 90 F LOT 18 KINGMAN ESTATE
Legal Subdivision	KINGMAN ESTATE
Legal Lot Number	18
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	2
Census Block	2007
Census Tract	2800

Owner

1012 28th St is owned and occupied by two individuals who bought it in July 2022.

Source: Polk County records, as of April 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1012 28TH ST, DES MOINES, IA 50311-4106
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP
Aug 24, 2020	Warranty Deed, Transfer · Conventional Mortgage CHARTER BANK
Jan 18, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2022 · Amount on File
Deed Sale	Jul 25, 2022 · Amount on File
Prior Sale	Aug 24, 2020 · Amount on File
Deed Document Number	202260659
Deed Book / Page	19205 / 896
Prior Transfer Date	Dec 22, 2016
Prior Transfer Doc	0000062670
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jul 25, 2022
Property Address	1012 28TH ST, DES MOINES, IA 50311-4106
Document Number	0000060659
Book / Page	19205 / 896
Instrument Date	Jul 19, 2022
Instrument	2022-00060659
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1012 28TH ST, DES MOINES, IA 50311-4106

Mortgage

Document Number	0000060660
Date	Jul 25, 2022
Instrument	2022-00060660

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Aug 24, 2020
Property Address	1012 28TH ST, DES MOINES, IA 50311-4106
Document Number	0000020947
Book / Page	18023 / 291
Instrument Date	Aug 19, 2020
Instrument	2020-00020947
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 28TH ST, DES MOINES, IA 50311-4106

Mortgage

Document Number	0000020949
Date	Aug 24, 2020
Instrument	2020-00020949

Lender

Name	CHARTER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK IA
Recording Date	Jan 18, 2017
Property Address	1012 28TH ST, DES MOINES, IA 50311-4106
Document Number	0000062670
Book / Page	016348 / 000059
Instrument Date	Dec 22, 2016
Instrument	62670
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$72.80
Amount Accuracy	Confirmed
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2936 104TH ST URBANDALE IA 503223815, URBANDALE, IA 50322-3815

Tax Assessment & Valuation

Source: Polk County assessment roll, as of October 13, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Polk County
Municipality	Des Moines City
Unified School District	Des Moines Independent Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$183,300 Land $17,900 Building $165,400	$183,300 Land $17,900 Building $165,400
2024	$2,944.00
2023		$160,100 Land $15,400 Building $144,700	$160,100 Land $15,400 Building $144,700
2020	$2,862.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1012 28th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1012 28th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DES MOINES WATER WORKS serves 246,055 people · EPA ID IA7727031
Water Source	Purchased surface water from CIWW (DMWW)
Last State Inspection	May 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Google Fiber Fiber	8,000 / 8,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: Vero Fiber.

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