1518 45th St, Des Moines, IA 50311 Property Records

Polk County property record for 1518 45th St, Des Moines, IA 50311

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 983 sqft · built 1920
Lot Size	0.144 acres (6,300 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2025)
Tax Bill	$3,706 (2024)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7924-31-428-034`

Property Details

APN / Parcel Number

Primary APN	`7924-31-428-034`
Alternative APN	`100/13321-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	983 sqft Living Area
Gross Area	2,299 sqft
1st Floor Area	983 sqft
Attic Area	344 sqft
Basement Area	972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Wood Frame
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,300 sqft (0.144 acres)
Lot Dimensions	140 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	1518 45TH ST
City	DES MOINES
State	IA
Zip	50311-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 45 F LOT 17 WHITCOMB
Legal Range	24W
Legal Township	79N
Legal Section	31
Legal Subdivision	WHITCOMB
Legal Lot Number	17
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	1
Census Block	1005
Census Tract	902

Owner

Source: Polk County records, as of October 15, 2025

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	1518 45TH ST, DES MOINES, IA 50311-2423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2025	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 26, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Feb 22, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 9, 2020	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 23, 2025 · Amount on Record
Deed Sale	Jul 23, 2025 · Amount on Record
Prior Sale	Jul 26, 2022 · Amount on Record
Deed Document Number	2025-00042721
Deed Book / Page	20213 / 135
Record Updated	Jun 7, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jul 23, 2025
Property Address	1518 45TH ST, DES MOINES, IA 50311-2423
Document Number	0000042721
Book / Page	20213 / 135
Instrument Date	Jul 18, 2025
Instrument	2025-00042721
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 45TH ST, DES MOINES, IA 50311-2423

Mortgage

Document Number	0000042722
Date	Jul 23, 2025
Instrument	2025-00042722

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jul 26, 2022
Property Address	1518 45TH ST, DES MOINES, IA 50311-2423
Document Number	0000061155
Book / Page	19208 / 176
Instrument Date	Jul 22, 2022
Instrument	2022-00061155
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 45TH ST, DES MOINES, IA 50311-2423

Mortgage

Document Number	0000061156
Date	Jul 26, 2022
Instrument	2022-00061156

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Feb 22, 2022
Property Address	1518 45TH ST, DES MOINES, IA 50311-2423
Document Number	0000014285
Book / Page	18995 / 982
Instrument Date	Feb 4, 2022
Instrument	2022-00014285
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518-45TH STREET, DES MOINES, IA 50311-2423

Mortgage

Document Number	0000014287
Date	Feb 22, 2022
Instrument	2022-00014287

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Sep 9, 2020
Property Address	1518 45TH ST, DES MOINES, IA 50311-2423
Document Number	202000027730
Book / Page	18055 / 452
Instrument Date	Sep 4, 2020
Instrument	2020-00027730
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1518 45TH ST, DES MOINES, IA 50311-2423

Mortgage

Document Number	202000027733
Date	Sep 9, 2020
Instrument	2020-00027733

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 1, 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		$207,500 (+12.41%) Land $44,200 Building $163,300	$207,500 (+12.41%) Land $44,200 Building $163,300
2024	$3,706.00 (+6.31%)
2023		$184,600 Land $39,200 Building $145,400	$184,600 Land $39,200 Building $145,400
2020	$3,486.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2018 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.1% of the US · lower than 91% 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 615 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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