1320 E 40th St, Des Moines, IA 50317 Property Records

Polk County property record for 1320 E 40th St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,904 sqft · built 1971
Lot Size	2.62 acres (114,390 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Apr 2026)
Tax Bill	$5,794 (2024)
Deeds & Mortgages	Oct 2021 Line of Credit Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`060/00645-002-000`

Property Details

APN / Parcel Number

Primary APN	`060/00645-002-000`
Alternative APNs	`06000645001000` `792333352011`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,904 sqft Living Area
Gross Area	3,808 sqft
1st Floor Area	1,904 sqft
Basement Area	1,904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	114,390 sqft (2.62 acres)
Lot Dimensions	310 ft deep x 369 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	1,132 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	1320 E 40TH ST
City	DES MOINES
State	IA
Zip	50317-6804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 81, 86 & 97 BROADACRE
Legal Subdivision	BROADACRE
Legal Lot Number	86
Jurisdiction	POLK IA
Township / Civil Division	LEE
Census Block Group	2
Census Block	2002
Census Tract	1900

Owner

Source: Polk County records, as of May 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1320 E 40TH ST, DES MOINES, IA 50317-6804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage WELLSFARGOBANKNA
May 15, 2020	Deed of Trust, Mortgage · Conventional with PMI VERIDIAN CU
Oct 25, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 22, 2018	Warranty Deed, Transfer · ARM US BANK NA
Apr 6, 2018	Warranty Deed, Transfer · Line of Credit LEGACY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Aug 22, 2018 · Amount on Record
Deed Document Number	202624373
Deed Book / Page	20500 / 538
Prior Transfer Date	Oct 17, 2018
Prior Transfer Doc	0000032881
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	1320 E 40TH ST, DES MOINES, IA 50317-6804
Transaction Type	Mortgage
Record Updated	Jun 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 E 40TH ST, DES MOINES, IA 50317-6804

Mortgage

Document Number	0000113590
Date	Oct 27, 2021
Book Page	18829/209
Instrument	2021-00113590

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Apr 29, 2026
Property Address	1320 E 40TH ST, DES MOINES, IA 50317-6804
Document Number	0000024373
Book / Page	20500 / 538
Instrument Date	Apr 27, 2026
Instrument	2026.24373
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,215.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 E 40TH ST, DES MOINES, IA 50317-6804

Mortgage

Document Number	0000024375,
Date	Apr 29, 2026
Instrument	2026..24375

Lender

Name	WELLSFARGOBANKNA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.54%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	1320 E 40TH ST, DES MOINES, IA 50317-6804
Document Number	0000099335
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 E 40TH ST DES MOINES IA 503176804, DES MOINES, IA 50317-6804

Mortgage

Document Number	0000099335
Date	May 21, 2020
Book Page	017845/000133
Instrument	99335

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50701

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK IA
Recording Date	Oct 25, 2018
Property Address	1320 E 40TH ST, DES MOINES, IA 50317-6804
Document Number	0000032881
Book / Page	017122 / 000808
Instrument Date	Oct 17, 2018
Instrument	32881
Transaction Type	Transfer
Record Updated	Dec 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 E 40TH ST DES MOINES IA 503176804, DES MOINES, IA 50317-6804

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Aug 22, 2018
Property Address	1320 E 40TH ST, DES MOINES, IA 50317-6804
Document Number	0000015483
Book / Page	17049 / 0356
Instrument Date	Aug 21, 2018
Instrument	2018-00015483
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$362.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 E 40TH ST, DES MOINES, IA 50317-6804

Mortgage

Document Number	0000015485
Date	Aug 22, 2018
Instrument	2018-00015485

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Sep 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Apr 6, 2018
Property Address	1320 E 40TH ST, DES MOINES, IA 50317-6804
Document Number	201700076573
Book / Page	16873 / 0919
Instrument Date	Apr 5, 2018
Instrument	2017-00076573
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700076575
Date	Apr 6, 2018
Instrument	2017-00076575

Lender

Name	LEGACY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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		$338,800 (+11.08%) Land $62,000 Building $276,800	$338,800 (+11.08%) Land $62,000 Building $276,800
2024	$5,794.00 (+8.46%)
2023		$305,000 Land $54,900 Building $250,100	$305,000 Land $54,900 Building $250,100
2020	$5,342.00

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

Flood

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	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 186 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	2,000 / 1,000

May also be available: Verizon.

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