Polk County property record for 2405 E Luster Ln, Des Moines, IA 50320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,896 sqft · built 2004 |
| Lot Size | 0.178 acres (7,750 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Feb 2009) |
| Tax Bill | $5,420 (2024) |
| Deeds & Mortgages | Dec 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 120/02640-615-000 |
| Primary APN | 120/02640-615-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,896 sqft Living Area |
| Gross Area | 3,226 sqft |
| 1st Floor Area | 910 sqft |
| Upper Floors Area | 986 sqft |
| Basement Area | 910 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,750 sqft (0.178 acres) |
| Lot Dimensions | 125 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 50 sqft |
| Deck Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 2405 E LUSTER LN |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50320-6429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 HILLSBORO PLAT 3 |
| Legal Subdivision | HILLSBORO PLAT 3 |
| Legal Lot Number | 5 |
| Jurisdiction | POLK IA |
| Township / Civil Division | BLOOMFIELD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10806 |
Source: Polk County records, as of July 22, 2026
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 LUSTER LN, DES MOINES, IA 50320-6429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 27, 2009 · Amount on Record |
| Deed Sale | Feb 27, 2009 · Amount on Record |
| Prior Sale | Sep 12, 2008 · Amount on Record |
| Deed Document Number | 200955616 |
| Deed Book / Page | 12932 / 827 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 2405 E LUSTER LN, DES MOINES, IA 50320-6429 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2405 E LUSTER LN, DES MOINES, IA 50320-6429 |
| Document Number | 0000065765 |
|---|---|
| Date | Dec 16, 2024 |
| Book Page | 20000/239 |
| Instrument | 2024-00065765 |
| Name | AFFINITY CU |
|---|---|
| Type | Credit Union |
| Address | 475 NW HOFFMAN LN, DES MOINES, IA 50313 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 27, 2039 |
Source: Polk County assessment roll, as of October 13, 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 | $285,800 (-0.07%) Land $47,300 Building $238,500 | $285,800 (-0.07%) Land $47,300 Building $238,500 | |
| 2024 | $5,420.00 (+1.46%) | ||
| 2023 | $286,000 Land $46,800 Building $239,200 | $286,000 Land $46,800 Building $239,200 | |
| 2020 | $5,342.00 |
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 99.1% of the US · lower than 91% 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.
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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