3109 E 13th St, Des Moines, IA 50316 Property Records

Polk County property record for 3109 E 13th St, Des Moines, IA 50316

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 905 sqft · built 1888
Lot Size	0.157 acres (6,864 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jun 2021)
Tax Bill	$3,060 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`7924-26-281-003`

Property Details

APN / Parcel Number

Primary APN	`7924-26-281-003`
Alternative APN	`110/03769-000-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	905 sqft Living Area
Gross Area	1,481 sqft
1st Floor Area	648 sqft
Upper Floors Area	257 sqft
Basement Area	576 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Brick
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,864 sqft (0.157 acres)
Lot Dimensions	143 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	3109 E 13TH ST
City	DES MOINES
State	IA
Zip	50316-1417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 15 BLK 8 KRYSHERS 2ND ADD PLAT 3
Legal Range	24W
Legal Township	79N
Legal Section	26
Legal Subdivision	KRYSHERS 2ND ADDITION PLAT 3
Legal Block	8
Legal Lot Number	15
Jurisdiction	POLK IA
Township / Civil Division	LEE
Census Block Group	1
Census Block	1022
Census Tract	500

Owner

3109 E 13th St is owned and occupied by an individual who bought it in June 2021.

Source: Polk County records, as of October 15, 2025

Owner of Record	Individual Name on File
Mailing Address	3109 E 13TH ST, DES MOINES, IA 50316-1417
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 3, 2021	Warranty Deed, Transfer · FHA Mortgage COLLINS COMMUNITY CU
Jun 12, 2017	Loan Modification, Mortgage · Conventional Mortgage JAMES M ROONEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2021 · Amount on File
Deed Sale	Jun 3, 2021 · Amount on File
Prior Sale	Dec 4, 2020 · Amount on File
Deed Document Number	2021-00057811
Deed Book / Page	18566 / 112
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 3, 2021
Property Address	3109 E 13TH ST, DES MOINES, IA 50316-1417
Document Number	0000057811
Book / Page	18566 / 112
Instrument Date	May 27, 2021
Instrument	2021-00057811
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 E 13TH ST, DES MOINES, IA 50316-1417

Mortgage

Document Number	0000057814
Date	Jun 3, 2021
Instrument	2021-00057814

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2031

Mortgage

Document Number	0000057813
Date	Jun 3, 2021
Book Page	18566/115
Instrument	2021-00057813

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	POLK IA
Property Address	3109 E 13TH ST, DES MOINES, IA 50316-1417
Document Number	0000053426
Book / Page	016778 / 000904
Instrument Date	Jun 12, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 E 13TH ST DES MOINES IA 503161417, DES MOINES, IA 50316-1417

Mortgage

Document Number	0000053426
Date	Jan 2, 2018
Book Page	016778/000904
Instrument	53426

Lender

Name	JAMES M ROONEY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 1, 2023

Interest

Rate	7.75%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 1, 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		$177,300 Land $32,700 Building $144,600	$177,300 Land $32,700 Building $144,600
2024	$3,060.00
2023		$152,400 (+40.72%) Land $28,000 Building $124,400	$152,400 Land $28,000 Building $124,400
2022		$108,300 Land $22,500 Building $85,800
2021			$108,300 Land $22,500 Building $85,800
2020	$2,198.00

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

Flood

FEMA maps place 3109 E 13th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001

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

The area around 3109 E 13th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 321 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 · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	1,000 / 75

May also be available: CenturyLink, T-Mobile.

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