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

Polk County property record for 245 E Payton Ave, Des Moines, IA 50315

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 576 sqft · built 1953
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Sep 2026)
Tax Bill	$722 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120/00735-000-000`

Property Details

APN / Parcel Number

Primary APN	`120/00735-000-000`
Alternative APN	`782427354012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	576 sqft Living Area
1st Floor Area	576 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Bungalow
Exterior Material	Wood Siding
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	245 E PAYTON AVE
City	DES MOINES
State	IA
Zip	50315-5853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 150 F LOT 185 CUMMINSFORD
Legal Subdivision	CUMMINSFORD
Legal Lot Number	185
Jurisdiction	POLK IA
Township / Civil Division	BLOOMFIELD
Census Block Group	2
Census Block	2018
Census Tract	4602

Owner

245 E Payton Ave is owned and occupied by two individuals who bought it in September 2026.

Source: Polk County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	245 E PAYTON AVE, DES MOINES, IA 50315-5853
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 23, 2026	Fiduciary Deed, Transfer · Conventional Mortgage US BANK
Apr 3, 2024	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Jul 6, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2026 · Amount on File
Deed Sale	Sep 23, 2026 · Amount on File
Prior Sale	May 29, 2025 · Amount on File
Deed Document Number	202659114
Deed Book / Page	20668 / 126
Prior Transfer Date	Oct 10, 2024
Prior Transfer Doc	0000053947
Record Updated	Oct 29, 2026

September 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	POLK IA
Recording Date	Sep 23, 2026
Property Address	245 E PAYTON AVE, DES MOINES, IA 50315-5853
Document Number	0000059114
Book / Page	20668 / 126
Instrument Date	Sep 11, 2026
Instrument	202659114
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,079.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E PAYTON AVE, DES MOINES, IA 50315-5853

Mortgage

Document Number	0000059115,
Date	Sep 23, 2026
Instrument	202659115

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	245 E PAYTON AVE, DES MOINES, IA 50315-5853
Transaction Type	Mortgage
Record Updated	Apr 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 E PAYTON AVE, DES MOINES, IA 50315-5853

Mortgage

Document Number	0000015368
Date	Apr 3, 2024
Book Page	19758/283
Instrument	2024-00015368

Lender

Name	FIRST STATE BANK
Type	Bank
Address	215 N DIVISION ST, STUART, IA 50250

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Mar 29, 2064

Interest

Change Frequency	Monthly

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK IA
Recording Date	Jul 6, 2017
Property Address	245 E PAYTON AVE, DES MOINES, IA 50315-5853
Document Number	0000001351
Book / Page	016553 / 000050
Instrument Date	Jul 6, 2017
Instrument	1351
Transaction Type	Transfer
Record Updated	Jul 17, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	245 E PAYTON AVE DES MOINES IA 503155853, DES MOINES, IA 50315-5853

Tax Assessment & Valuation

The 2025 property tax bill for 245 E Payton Ave was $722, down 45.2% from the year before.

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	$722.00 (-45.22%)	$95,500 Land $34,500 Building $61,000	$95,500 Land $34,500 Building $61,000
2024	$1,318.00
2023		$84,500 Land $30,200 Building $54,300	$84,500 Land $30,200 Building $54,300
2020	$1,368.00

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

Flood

FEMA maps place 245 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 245 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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