249 E Dunham Ave, Des Moines, IA 50315 Property Records

Polk County property record for 249 E Dunham Ave, Des Moines, IA 50315

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,054 sqft · built 1910
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Dec 2020)
Tax Bill	$2,560 (2024)
Deeds & Mortgages	Oct 2026 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`020/00433-000-000`

Property Details

APN / Parcel Number

Primary APN	`020/00433-000-000`
Alternative APN	`782410352010`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,054 sqft Living Area
Gross Area	1,154 sqft
1st Floor Area	680 sqft
Upper Floors Area	374 sqft
Basement Area	100 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	249 E DUNHAM AVE
City	DES MOINES
State	IA
Zip	50315-1350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 BLK 5 SECOND PLAT OF CLIFTON HEIGHTS
Legal Subdivision	CLIFTON HEIGHTS 2ND PLAT
Legal Block	5
Legal Lot Number	13
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	1
Census Block	1037
Census Tract	4200

Owner

Source: Polk County records, as of October 13, 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	249 E DUNHAM AVE, DES MOINES, IA 50315-1350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
Dec 11, 2020	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Jan 4, 2000 · Amount on Record
Deed Document Number	202066812
Deed Book / Page	18245 / 913
Prior Transfer Date	Jul 5, 2014
Prior Transfer Doc	0000020195
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Recording Date	Oct 6, 2026
Property Address	249 E DUNHAM AVE, DES MOINES, IA 50315-1350
Document Number	0000061484
Book / Page	20679 / 840
Instrument Date	Sep 30, 2026
Instrument	202661484
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 E DUNHAM AVE, DES MOINES, IA 50315-1350

Mortgage

Document Number	0000061484,
Date	Oct 6, 2026
Book Page	20679/840
Instrument	202661484

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Dec 11, 2020
Property Address	249 E DUNHAM AVE, DES MOINES, IA 50315-1350
Document Number	0000066812
Book / Page	18245 / 913
Instrument Date	Dec 7, 2020
Instrument	2020-00066812
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 E DUNHAM AVE, DES MOINES, IA 50315-1350

Mortgage

Document Number	0000066814
Date	Dec 11, 2020
Instrument	2020-00066814

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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		$162,300 (+15.43%) Land $15,400 Building $146,900	$162,300 (+15.43%) Land $15,400 Building $146,900
2024	$2,560.00 (+16.89%)
2023		$140,600 Land $13,100 Building $127,500	$140,600 Land $13,100 Building $127,500
2020	$2,190.00

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	9 (1983–2010)
Claims Outside the SFHA	7 of 9
Most Recent Claim	Aug 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2010 · 2 claims Severe Storms & Flooding, Sep 1993 · 5 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 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 259 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Vero Fiber.

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