221 E Payton Ave, Des Moines, IA 50315 Property Records

Polk County property record for 221 E Payton Ave, Des Moines, IA 50315

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,094 sqft · built 2005
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Sep 2025)
Tax Bill	$4,036 (2024)
Deeds & Mortgages	Aug 2025 Second Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`120/00728-000-000`

Property Details

APN / Parcel Number

Primary APN	`120/00728-000-000`
Alternative APN	`782427354006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,094 sqft Living Area
Gross Area	2,174 sqft
1st Floor Area	1,094 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,627 sqft (0.221 acres)
Lot Dimensions	193 ft deep x 50 ft wide
Deck Area	160 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	221 E PAYTON AVE
City	DES MOINES
State	IA
Zip	50315-5853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 179 CUMMINSFORD
Legal Subdivision	CUMMINSFORD
Legal Lot Number	179
Jurisdiction	POLK IA
Township / Civil Division	BLOOMFIELD
Census Block Group	2
Census Block	2018
Census Tract	4602

Owner

221 E Payton Ave is owned and occupied by an individual who bought it in September 2025.

Source: Polk County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	221 E PAYTON AVE, DES MOINES, IA 50315-5853
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
Aug 11, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HOMELIGHT HOME LOANS INC
Sep 19, 2025	Warranty Deed, Transfer · Conventional Mortgage BANK IOWA
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CU
Jul 23, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2025 · Amount on File
Deed Sale	Sep 19, 2025 · Amount on File
Prior Sale	Jun 29, 2022 · Amount on File
Deed Document Number	202556003
Deed Book / Page	20274 / 676
Prior Transfer Date	Jul 20, 2021
Prior Transfer Doc	0000077981
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	221 E PAYTON AVE, DES MOINES, IA 50315-5853
Transaction Type	Mortgage
Record Updated	Sep 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046945
Date	Aug 11, 2025
Book Page	20231/963
Instrument	2025-00046945

Lender

Name	HOMELIGHT HOME LOANS INC
Type	Mortgage Company
Address	1375 N SCOTTSDALE RD STE 125, SCOTTSDALE, AZ 85257

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	3 Months
Due	Nov 23, 2025

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Sep 19, 2025
Property Address	221 E PAYTON AVE, DES MOINES, IA 50315-5853
Document Number	0000056003
Book / Page	20274 / 676
Instrument Date	Sep 15, 2025
Instrument	2025-00056003
Transaction Type	Transfer
Record Updated	Sep 29, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 E PAYTON AVE, DES MOINES, IA 50315-5853

Mortgage

Document Number	0000056004
Date	Sep 19, 2025
Instrument	2025-00056004

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 29, 2022
Property Address	221 E PAYTON AVE, DES MOINES, IA 50315-5853
Document Number	0000053938
Book / Page	19174 / 859
Instrument Date	Jun 23, 2022
Instrument	2022-00053938
Transaction Type	Transfer
Record Updated	Sep 29, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 E PAYTON AVE, DES MOINES, IA 50315-5853

Mortgage

Document Number	0000053939
Date	Jun 29, 2022
Instrument	2022-00053939

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.37%
Index	1-Year CMT
Max Rate	10.3%

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK IA
Recording Date	Jul 23, 2021
Property Address	221 E PAYTON AVE, DES MOINES, IA 50315-5853
Document Number	0000077981
Book / Page	18661 / 304
Instrument Date	Jul 20, 2021
Instrument	2021-00077981
Transaction Type	Transfer
Record Updated	Sep 29, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$240,700 Land $36,600 Building $204,100	$240,700 Land $36,600 Building $204,100
2024	$4,036.00
2023		$215,600 Land $32,100 Building $183,500	$215,600 Land $32,100 Building $183,500
2020	$3,714.00

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

Flood

FEMA maps place 221 E Payton Ave 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 221 E Payton Ave 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 509 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
CenturyLink Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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