226 E 16th St, Des Moines, IA 50316 Property Records

Polk County property record for 226 E 16th St, Des Moines, IA 50316

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,218 sqft · built 1907
Lot Size	0.136 acres (5,960 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Nov 2018)
Tax Bill	$2,170 (2024)
Deeds & Mortgages	Feb 2021 Line of Credit Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7824-02-305-020`

Property Details

APN / Parcel Number

Primary APN	`7824-02-305-020`
Alternative APN	`040/00823-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,218 sqft Living Area
Gross Area	1,842 sqft
1st Floor Area	800 sqft
Upper Floors Area	418 sqft
Basement Area	624 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1915
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Masonry
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	5,960 sqft (0.136 acres)
Lot Dimensions	149 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	202 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	226 E 16TH ST
City	DES MOINES
State	IA
Zip	50316-3918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 COTTAGE PLACE
Legal Range	24W
Legal Township	78N
Legal Section	2
Legal Subdivision	COTTAGE PLACE
Legal Lot Number	7
Jurisdiction	POLK IA
Township / Civil Division	LEE
Census Block Group	3
Census Block	3018
Census Tract	5200

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	226 E 16TH ST, DES MOINES, IA 50316-3918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Nov 2, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jun 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Prior Sale	Jul 31, 2015 · Amount on Record
Deed Document Number	2018-00035547
Deed Book / Page	17134 / 0544
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	226 E 16TH ST, DES MOINES, IA 50316-3918
Transaction Type	Mortgage
Record Updated	Feb 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 E 16TH ST, DES MOINES, IA 50316-3918

Mortgage

Document Number	0000012813
Date	Feb 8, 2021
Book Page	18346/578
Instrument	2021-00012813

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Nov 2, 2018
Property Address	226 E 16TH ST, DES MOINES, IA 50316-3918
Document Number	201800035547
Book / Page	17134 / 0544
Instrument Date	Oct 31, 2018
Instrument	2018-00035547
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$151.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 E 16TH ST, DES MOINES, IA 50316-3918

Mortgage

Document Number	201800035549
Date	Nov 2, 2018
Instrument	2018-00035549

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 14, 2018
Property Address	226 E 16TH ST, DES MOINES, IA 50316-3918
Document Number	0000096843
Book / Page	016960 / 000536
Instrument Date	Jun 1, 2018
Instrument	96843
Transaction Type	Transfer
Record Updated	Jul 9, 2018

Transaction

Amount	Amount Recorded
Tax	$432.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 4TH ST SE BONDURANT IA 500352154, BONDURANT, IA 50035-2154

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		$135,200 (+14.29%) Land $11,400 Building $123,800	$135,200 (+14.29%) Land $11,400 Building $123,800
2024	$2,170.00 (+16.29%)
2023		$118,300 Land $9,900 Building $108,400	$118,300 Land $9,900 Building $108,400
2020	$1,866.00

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	10 (1990–2010)
Claims Outside the SFHA	10 of 10
Most Recent Claim	Aug 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms & Flooding, Jul 1993 · 8 claims

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 98% of the US · lower than 82% 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 316 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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, Google Fiber.

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