Polk County property record for 2320 E Luster Ln, Des Moines, IA 50320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,018 sqft · built 2004 |
| Lot Size | 0.21 acres (9,167 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Oct 2023) |
| Tax Bill | $6,456 (2024) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage May 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7824-36-303-003 |
| Primary APN | 7824-36-303-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,018 sqft Living Area |
| Gross Area | 3,415 sqft |
| 1st Floor Area | 957 sqft |
| Upper Floors Area | 1,061 sqft |
| Basement Area | 957 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,167 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 78 sqft |
| Deck Area | 120 sqft |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Street Address | 2320 E LUSTER LN |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50320-6428 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 27 HILLSBORO PLAT 3 |
| Legal Subdivision | HILLSBORO PLAT 3 |
| Legal Lot Number | 27 |
| Jurisdiction | POLK IA |
| Township / Civil Division | BLOOMFIELD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 10806 |
Source: Polk County records, as of October 15, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| May 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANKERS TRUST COMPANY NA |
| Apr 13, 2017 | Deed of Trust, Mortgage · Line of Credit GLENWOOD STATE BANK |
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Apr 24, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2023 · Amount on File |
| Deed Sale | Oct 4, 2023 · Amount on File |
| Prior Sale | May 26, 2021 · Amount on File |
| Deed Document Number | 2023-00053450 |
| Deed Book / Page | 19618 / 543 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Oct 4, 2023 |
| Property Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
| Document Number | 0000053450 |
| Book / Page | 19618 / 543 |
| Instrument Date | Sep 25, 2023 |
| Instrument | 2023-00053450 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $477.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2320 E LUSTER LN # F, F, DES MOINES, IA 50320-6428 |
| Document Number | 0000053451 |
|---|---|
| Date | Oct 4, 2023 |
| Instrument | 2023-00053451 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.5% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 6.5% |
| Max Rate At Change | 10.5% |
| Index | 1-Year T-Bill |
| Margin | 3 |
| Max Rate | 13.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | May 26, 2021 |
| Property Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
| Document Number | 0000055094 |
| Book / Page | 18552 / 993 |
| Instrument Date | May 17, 2021 |
| Instrument | 2021-00055094 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $441.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
| Document Number | 0000055096 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2021-00055096 |
| Name | BANKERS TRUST COMPANY NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000084945 |
|---|---|
| Date | Apr 13, 2017 |
| Book Page | 16440/0243 |
| Instrument | 2016-00084945 |
| Name | GLENWOOD STATE BANK |
|---|---|
| Type | Bank |
| Address | GLENWOOD, IA 51534 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000100376 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 17850/648 |
| Instrument | 2019-00100376 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Apr 24, 2017 |
| Property Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
| Document Number | 201600087665 |
| Book / Page | 16452 / 0062 |
| Instrument Date | Apr 18, 2017 |
| Instrument | 2016-00087665 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2320 E LUSTER LN, DES MOINES, IA 50320-6428 |
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 | $320,700 (-0.28%) Land $60,600 Building $260,100 | $320,700 (-0.28%) Land $60,600 Building $260,100 | |
| 2024 | $6,456.00 (+6.71%) | ||
| 2023 | $321,600 (+24.03%) Land $59,900 Building $261,700 | $321,600 (+24.03%) Land $59,900 Building $261,700 | |
| 2022 | $259,300 Land $49,600 Building $209,700 | ||
| 2021 | $259,300 Land $49,600 Building $209,700 | ||
| 2020 | $6,050.00 |
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
| 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.
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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 237 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 2,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, ICS Advanced Technologies, Metronet, Nextlink, Verizon.
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