Polk County property record for 2605 E 48th St, Des Moines, IA 50317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,640 sqft · built 2020 |
| Lot Size | 0.244 acres (10,627 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $284,500 (Feb 2021) |
| Tax Bill | $1,296 (2024) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jul 2020 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 060/08294-200-014 |
| Primary APN | 060/08294-200-014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,640 sqft Living Area |
| Gross Area | 2,758 sqft |
| 1st Floor Area | 698 sqft |
| Upper Floors Area | 942 sqft |
| Basement Area | 698 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,627 sqft (0.244 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 2605 E 48TH ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50317-4769 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 THE WOODS OF COPPER CREEK PLAT 3 |
| Legal Subdivision | THE WOODS OF COPPER CREEK PL 3 |
| Legal Lot Number | 14 |
| Jurisdiction | POLK IA |
| Township / Civil Division | DELAWARE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 10602 |
Source: Polk County records, as of August 18, 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 | 2605 E 48TH ST, DES MOINES, IA 50317-4769 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Jul 7, 2020 | Deed of Trust, Mortgage · Construction Mortgage LINCOLN SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 10, 2021 · Amount on Record |
| Deed Sale | Feb 10, 2021 · Amount on Record |
| Deed Document Number | 202113966 |
| Deed Book / Page | 18351 / 890 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Aug 10, 2026 |
| Property Address | 2605 E 48TH ST, DES MOINES, IA 50317-4769 |
| Document Number | 0000049334 |
| Book / Page | 20621 / 482 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 202649334 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2605 E 48TH ST, DES MOINES, IA 50317-4769 |
| Document Number | 0000049334, |
|---|---|
| Date | Aug 10, 2026 |
| Book Page | 20621/482 |
| Instrument | 202649334 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 2605 E 48TH ST, DES MOINES, IA 50317-4769 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202000002272 |
|---|---|
| Date | Jul 7, 2020 |
| Book Page | 17932/838 |
| Instrument | 2020-00002272 |
| Name | LINCOLN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | ANKENY, IA 50023 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 23, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of October 13, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Polk County |
| Municipality | Des Moines City |
| Unified School District | Southeast Polk Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $326,900 (+11.34%) Land $80,300 Building $246,600 | $326,900 (+11.34%) Land $80,300 Building $246,600 | |
| 2024 | $1,296.00 (+12,86%) | ||
| 2023 | $293,600 Land $72,000 Building $221,600 | $293,600 Land $72,000 Building $221,600 | |
| 2020 | $10.00 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 264 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink.
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