315 E Philip St, Des Moines, IA 50315 Property Records

Polk County property record for 315 E Philip St, Des Moines, IA 50315

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,500 sqft · built 1967
Lot Size	0.194 acres (8,450 sqft)
Owner	Company Name on File
Last Sale	$250,000 (Jun 2026)
Tax Bill	$4,164 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`120/04472-088-000`

Property Details

APN / Parcel Number

Primary APN	`120/04472-088-000`
Alternative APN	`782422354006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,500 sqft Living Area
Gross Area	1,980 sqft
1st Floor Area	1,020 sqft
Basement Area	960 sqft
Finished Basement	480 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Split Level
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,450 sqft (0.194 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Patio Area	180 sqft
Canopy	180 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	315 E PHILIP ST
City	DES MOINES
State	IA
Zip	50315-4118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 28 SCANDIA MAGNOLIA PARK PLAT 2
Legal Subdivision	SCANDIA MAGNOLIA PARK PLAT 2
Legal Lot Number	28
Jurisdiction	POLK IA
Township / Civil Division	BLOOMFIELD
Census Block Group	2
Census Block	2013
Census Tract	4501

Owner

315 E Philip St is owned by a company that bought it in June 2026 and is owner-occupied.

Source: Polk County records, as of June 23, 2026

Owner of Record	Company Name on File
Mailing Address	315 E PHILIP ST, DES MOINES, IA 50315-4118
Occupancy	Owner Occupied
Owner Type	Company
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
Jun 9, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
May 5, 2023	Warranty Deed, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on File
Deed Sale	Jun 9, 2026 · Amount on File
Prior Sale	May 5, 2023 · Amount on File
Deed Document Number	202634533
Deed Book / Page	20550 / 347
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 9, 2026
Property Address	315 E PHILIP ST, DES MOINES, IA 50315-4118
Document Number	0000034533
Book / Page	20550 / 347
Instrument Date	Jun 1, 2026
Instrument	202634533
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,319.20
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	315 E PHILIP ST, DES MOINES, IA 50315-4118

Mortgage

Document Number	0000034534,
Date	Jun 9, 2026
Instrument	202634534

Lender

Name	GUARANTEED RATE, INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	May 5, 2023
Property Address	315 E PHILIP ST, DES MOINES, IA 50315-4118
Document Number	0000021579
Book / Page	19465 / 350
Instrument Date	May 1, 2023
Instrument	2023-00021579
Transaction Type	Transfer
Record Updated	Jun 19, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	315 E PHILIP ST, DES MOINES, IA 50315-4118

Mortgage

Document Number	0000021580
Date	May 5, 2023
Instrument	2023-00021580

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 315 E Philip St was $4,164 with a homeowner's exemption, up 2.1% from the year before.

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	$4,164.00 (+2.06%) Homeowner's exemption	$230,800 Land $39,300 Building $191,500	$230,800 Land $39,300 Building $191,500
2024	$4,080.00
2023		$207,400 Land $34,700 Building $172,700	$207,400 Land $34,700 Building $172,700
2020	$3,872.00

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

Flood

FEMA maps place 315 E Philip St 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

The area around 315 E Philip 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 459 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

May also be available: CenturyLink, Google Fiber.

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