3023 E Cutler Ave, Des Moines, IA 50320 Property Records

Polk County property record for 3023 E Cutler Ave, Des Moines, IA 50320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,838 sqft · built 1998
Lot Size	0.247 acres (10,736 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Jun 2026)
Tax Bill	$5,950 (2024)
Deeds & Mortgages	May 2022 Second Mortgage Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`120/01300-730-000`

Property Details

APN / Parcel Number

Primary APN	`120/01300-730-000`
Alternative APN	`782330157001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,838 sqft Living Area
Gross Area	3,154 sqft
1st Floor Area	916 sqft
Upper Floors Area	922 sqft
Basement Area	916 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,736 sqft (0.247 acres)
Lot Width	85.3 ft Width
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	192 sqft
Canopy	192 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	3023 E CUTLER AVE
City	DES MOINES
State	IA
Zip	50320-2130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 EASTER LAKE ESTATES PLAT 3
Legal Subdivision	EASTER LAKE ESTATES PLAT 3
Legal Lot Number	29
Jurisdiction	POLK IA
Township / Civil Division	ALLEN
Census Block Group	2
Census Block	2016
Census Tract	10805

Owner

3023 E Cutler Ave is owned and occupied by two individuals who bought it in June 2026.

Source: Polk County records, as of June 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage VERIDIAN CU
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage VERIDIAN CREDIT UNION
Jan 26, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit BANKERS TRUST COMPANY NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Oct 16, 1998 · Amount on File
Deed Document Number	202632506
Deed Book / Page	20539 / 882
Prior Transfer Date	Mar 26, 2021
Prior Transfer Doc	0000006969
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130
Transaction Type	Mortgage
Record Updated	Jun 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130

Mortgage

Document Number	0000040381
Date	May 18, 2022
Book Page	19114/955
Instrument	2022-00040381

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2032

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 2, 2026
Property Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130
Document Number	0000032506
Book / Page	20539 / 882
Instrument Date	May 28, 2026
Instrument	202632506
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,287.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130

Mortgage

Document Number	0000032507,
Date	Jun 2, 2026
Instrument	202632507

Lender

Name	VERIDIAN CREDIT UNION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK IA
Recording Date	Jan 26, 2022
Property Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130
Document Number	0000006969
Book / Page	18963 / 485
Instrument Date	Mar 26, 2021
Instrument	2022-00006969
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130

Mortgage

Document Number	0000006970
Date	Jan 26, 2022
Instrument	2022-00006970

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	171 Months
Due	Apr 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3023 E CUTLER AVE, DES MOINES, IA 50320-2130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100040
Date	Jun 25, 2018
Book Page	16973/0989
Instrument	2017-00100040

Lender

Name	BANKERS TRUST COMPANY NA
Type	Bank
Address	DES MOINES, IA 50309

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 22, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Carlisle Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$316,800 Land $64,800 Building $252,000	$316,800 Land $64,800 Building $252,000
2024	$5,950.00
2023		$291,000 Land $58,800 Building $232,200	$291,000 Land $58,800 Building $232,200
2020	$5,534.00

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

Flood

FEMA maps place 3023 E Cutler 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 3023 E Cutler 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 99.1% 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.

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 317 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: Nextlink.

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