Polk County property record for 221 E 28th St, Des Moines, IA 50317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,597 sqft · built 1922 |
| Lot Size | 0.091 acres (4,002 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $40,000 (Apr 1993) |
| Tax Bill | $2,506 (2024) |
| Deeds & Mortgages | Sep 2025 Line of Credit Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7824-01-278-011 |
| Primary APN | 7824-01-278-011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,597 sqft Living Area |
| Gross Area | 2,429 sqft |
| 1st Floor Area | 1,040 sqft |
| Upper Floors Area | 557 sqft |
| Basement Area | 832 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 4,002 sqft (0.091 acres) |
| Lot Dimensions | 69 ft deep x 58 ft wide |
| Porch | Open Porch |
| Porch Area | 94 sqft |
| Deck Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Street Address | 221 E 28TH ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50317-7904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 69 FT LOT 11 BLK 6 ELBERT & YORKS ADDITION |
| Legal Range | 24W |
| Legal Township | 78N |
| Legal Section | 1 |
| Legal Subdivision | ELBERT & YORKS ADD |
| Legal Block | 6 |
| Legal Lot Number | 11 |
| Jurisdiction | POLK IA |
| Township / Civil Division | LEE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 2100 |
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 | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 221 E 28TH ST, DES MOINES, IA 50317-7904 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 26, 2025 | Deed of Trust, Mortgage · Line of Credit BMO BANK NA |
| Jun 17, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 1993 · Amount on Record |
| Deed Sale | Apr 30, 1993 · Amount on Record |
| Deed Document Number | 0006770426 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 221 E 28TH ST, DES MOINES, IA 50317-7904 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2025 |
| Name | Verified Name |
|---|---|
| Address | 221 E 28TH ST, DES MOINES, IA 50317-7904 |
| Document Number | 0000057574 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | 20281/971 |
| Instrument | 2025-00057574 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | 320 S CANAL ST, CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2055 |
| Change Frequency | Monthly |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 221 E 28TH ST, DES MOINES, IA 50317-7904 |
| Document Number | 0000005999 |
| Instrument Date | Jun 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 221 E 28TH ST DES MOINES IA 503177904, DES MOINES, IA 50317-7904 |
| Document Number | 0000005999 |
|---|---|
| Date | Jul 19, 2019 |
| Book Page | 017413/000349 |
| Instrument | 5999 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 18, 2044 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Polk County |
| Municipality | Des Moines City |
| Unified School District | Des Moines Independent Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $158,300 (+17.17%) Land $16,100 Building $142,200 | $158,300 (+17.17%) Land $16,100 Building $142,200 | |
| 2024 | $2,506.00 (+16.34%) | ||
| 2023 | $135,100 Land $13,700 Building $121,400 | $135,100 Land $13,700 Building $121,400 | |
| 2020 | $2,154.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 1 (1993) |
| Most Recent Claim | Jul 1993 · Severe Storms & 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 727 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 · Fiber in parts of the area | 2,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| CenturyLink DSL · Fiber in parts of the area | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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