2803 Payne Rd, Des Moines, IA 50310 Property Records

Polk County property record for 2803 Payne Rd, Des Moines, IA 50310

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,446 sqft · built 1950
Lot Size	0.147 acres (6,400 sqft)
Owner	Individual Name on File
Last Sale	$79,500 (May 2001)
Tax Bill	$2,890 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`080/00244-000-000`

Property Details

APN / Parcel Number

Primary APN	`080/00244-000-000`
Alternative APN	`792428302030`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,446 sqft Living Area
Gross Area	1,756 sqft
1st Floor Area	826 sqft
Basement Area	826 sqft
Finished Basement	620 sqft
Unfinished Basement	206 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,400 sqft (0.147 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	124 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	2803 PAYNE RD
City	DES MOINES
State	IA
Zip	50310-5645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 S 128F LOT 47 ARNOLDS PLACE
Legal Subdivision	ARNOLDS PLACE
Legal Lot Number	47
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	2
Census Block	2005
Census Tract	701

Owner

2803 Payne Rd is owned and occupied by an individual who acquired it in September 2024.

Source: Polk County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2803 PAYNE RD, DES MOINES, IA 50310-5645
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jul 10, 2026	Deed of Trust, Mortgage · Line of Credit BANKERS TRUST COMPANY
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit BANKERS TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2001 · Amount on File
Deed Sale	May 23, 2001 · Amount on File
Deed Document Number	200188123
Deed Book / Page	8829 / 949
Last Transfer Date	Sep 3, 2024
Transfer Doc	0000045406
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Recording Date	Jul 10, 2026
Property Address	2803 PAYNE RD, DES MOINES, IA 50310-5645
Document Number	0000042365
Book / Page	20588 / 135
Instrument Date	Jun 26, 2026
Instrument	202642365
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 PAYNE RD, DES MOINES, IA 50310-5645

Mortgage

Document Number	0000042365,
Date	Jul 10, 2026
Book Page	20588/135
Instrument	202642365

Lender

Name	BANKERS TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 26, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Recording Date	Jun 26, 2026
Property Address	2803 PAYNE RD, DES MOINES, IA 50310-5645
Document Number	0000038898
Book / Page	20571 / 549
Instrument Date	Jun 26, 2026
Instrument	202638898
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 PAYNE RD, DES MOINES, IA 50310-5645

Mortgage

Document Number	0000038898,
Date	Jun 26, 2026
Book Page	20571/549
Instrument	202638898

Lender

Name	BANKERS TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 26, 2036

Interest

Rate	6.53%
Max Rate	-1%

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		$172,100 Land $28,900 Building $143,200	$172,100 Land $28,900 Building $143,200
2024	$2,890.00
2023		$157,400 Land $26,000 Building $131,400	$157,400 Land $26,000 Building $131,400
2020	$2,636.00

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

Flood

FEMA maps place 2803 Payne Rd 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 2803 Payne Rd 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 498 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: T-Mobile.

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