Polk County property record for 2405 E 40th St, Des Moines, IA 50317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,054 sqft · built 1959 |
| Lot Size | 0.144 acres (6,300 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Sep 2023) |
| Tax Bill | $3,594 (2024) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Aug 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7923-28-355-012 |
| Primary APN | 7923-28-355-012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,054 sqft Living Area |
| Gross Area | 1,122 sqft |
| 1st Floor Area | 785 sqft |
| Attic Area | 269 sqft |
| Basement Area | 768 sqft |
| Finished Basement | 700 sqft |
| Year Built | Built 1959 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 6,300 sqft (0.144 acres) |
| Lot Dimensions | 126 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 288 sqft |
| Deck Area | 60 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Street Address | 2405 E 40TH ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50317-5625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 240 FOUR MILE |
| Legal Range | 23W |
| Legal Township | 79N |
| Legal Section | 28 |
| Legal Subdivision | FOUR MILE |
| Legal Lot Number | 240 |
| Jurisdiction | POLK IA |
| Township / Civil Division | LEE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 102 |
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 | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage LINCOLN SAVINGS BANK |
| Aug 5, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Feb 22, 2021 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2023 · Amount on Record |
| Deed Sale | Sep 6, 2023 · Amount on Record |
| Prior Sale | Aug 5, 2022 · Amount on Record |
| Deed Document Number | 2023-00047895 |
| Deed Book / Page | 19591 / 831 |
| Record Updated | Jun 7, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Sep 6, 2023 |
| Property Address | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Document Number | 0000047895 |
| Book / Page | 19591 / 831 |
| Instrument Date | Sep 1, 2023 |
| Instrument | 2023-00047895 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $351.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Document Number | 0000047896 |
|---|---|
| Date | Sep 6, 2023 |
| Instrument | 2023-00047896 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Aug 5, 2022 |
| Property Address | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Document Number | 0000063574 |
| Book / Page | 19220 / 395 |
| Instrument Date | Jul 31, 2022 |
| Instrument | 2022-00063574 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $327.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Document Number | 0000063575 |
|---|---|
| Date | Aug 5, 2022 |
| Instrument | 2022-00063575 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 5, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
| Document Number | 0000063576 |
|---|---|
| Date | Aug 5, 2022 |
| Book Page | 19220/411 |
| Instrument | 2022-00063576 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 5, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Feb 22, 2021 |
| Property Address | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Document Number | 202100018111 |
| Book / Page | 18373 / 68 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 2021-00018111 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $274.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Investor | Possibly a Property Investor |
| Document Number | 0000018113 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 18373/72 |
| Instrument | 2021-00018113 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 2405 E 40TH ST, DES MOINES, IA 50317-5625 |
| Document Number | 0000077171 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2405 E 40TH ST DES MOINES IA 503175625, DES MOINES, IA 50317-5625 |
| Document Number | 0000077171 |
|---|---|
| Date | Mar 13, 2020 |
| Book Page | 017734/000332 |
| Instrument | 77171 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 12, 2025 |
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 | $203,400 (+13.63%) Land $29,900 Building $173,500 | $203,400 (+13.63%) Land $29,900 Building $173,500 | |
| 2024 | $3,594.00 (+13.23%) | ||
| 2023 | $179,000 (+23.11%) Land $26,000 Building $153,000 | $179,000 (+23.11%) Land $26,000 Building $153,000 | |
| 2022 | $145,400 Land $22,300 Building $123,100 | ||
| 2021 | $145,400 Land $22,300 Building $123,100 | ||
| 2020 | $3,174.00 |
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 | Not rated no burnable land within 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 675 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 |
| CenturyLink Fiber | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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