Polk County property record for 320 E Gray St, Des Moines, IA 50315
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1907 |
| Lot Size | 0.285 acres (12,410 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Jun 2026) |
| Tax Bill | $1,686 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010/01111-000-000 |
| Primary APN | 010/01111-000-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Gross Area | 1,848 sqft |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,410 sqft (0.285 acres) |
| Lot Dimensions | 146 ft deep x 85 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 120 sqft |
| Deck Area | 594 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 320 E GRAY ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50315-1742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 85F LOT 40 & S 14F E 85F LOT 41 CRAWFORD PLACE |
| Legal Subdivision | CRAWFORD PLACE |
| Legal Lot Number | 40,41 |
| Jurisdiction | POLK IA |
| Township / Civil Division | DES MOINES |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 4400 |
Source: Polk County assessment roll, APN 010/01111-000-000, as of October 13, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 320 E GRAY ST, DES MOINES, IA 50315-1742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jun 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage FREE STATE CREDIT UNION |
| Sep 16, 2025 | Warranty Deed, Transfer · Commercial Mortgage TS BANK - COUNCIL BLUFFS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 24, 2026 · Amount on Record |
| Deed Sale | Jun 24, 2026 · Amount on Record |
| Prior Sale | Sep 16, 2025 · Amount on Record |
| Deed Document Number | 202638126 |
| Deed Book / Page | 20568 / 17 |
| Prior Transfer Date | Aug 28, 1996 |
| Prior Transfer Doc | 0000083194 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Jun 24, 2026 |
| Property Address | 320 E GRAY ST, DES MOINES, IA 50315-1742 |
| Document Number | 0000038126 |
| Book / Page | 20568 / 17 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202638126 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20,927.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 E GRAY ST, DES MOINES, IA 50315-1742 |
| Document Number | 0000038127, |
|---|---|
| Date | Jun 24, 2026 |
| Book Page | 20568/18 |
| Instrument | 202638127 |
| Name | FREE STATE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Sep 16, 2025 |
| Property Address | 320 E GRAY ST, DES MOINES, IA 50315-1742 |
| Document Number | 0000054915 |
| Book / Page | 20269 / 982 |
| Instrument Date | Aug 29, 2025 |
| Instrument | 2025-00054915 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 816 ASH AVE, AMES, IA 50014-7827 |
| Investor | Possibly a Property Investor |
| Document Number | 0000054916 |
|---|---|
| Date | Sep 16, 2025 |
| Instrument | 2025-00054916 |
| Name | TS BANK - COUNCIL BLUFFS |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 09, 2026 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll as of October 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Polk County |
| Municipality | Des Moines City |
| Unified School District | Des Moines Independent Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,686.00 (-5.17%) | $118,200 (+9.55%) Land $28,300 Building $89,900 | $118,200 (+9.55%) Land $28,300 Building $89,900 |
| 2024 | $1,778.00 (+5.08%) | ||
| 2023 | $107,900 Land $25,800 Building $82,100 | $107,900 Land $25,800 Building $82,100 | |
| 2020 | $1,692.00 |
Source: FEMA National Flood Hazard Layer, Polk County (19153C), as of August 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 191530044003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1993) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1993 · Severe Storms & Flooding |
| Wildfire Risk | Low lower than 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, 430 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Source: EPA Safe Drinking Water Information System, water system IA7727031, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DES MOINES WATER WORKS serves 246,055 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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