320 E Payton Ave, Des Moines, IA 50315 Property Records

Polk County property record for 320 E Payton Ave, Des Moines, IA 50315

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 872 sqft · built 1988
Lot Size	0.164 acres (7,150 sqft)
Owner	2 Individual Names on File
Last Sale	$152,500 (Sep 2018)
Tax Bill	$3,736 (2024)
Deeds & Mortgages	Feb 2017 Mortgage Sep 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7824-27-329-010`

Property Details

APN / Parcel Number

Primary APN	`7824-27-329-010`
Alternative APN	`120/00691-001-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	872 sqft Living Area
Gross Area	1,066 sqft
1st Floor Area	872 sqft
Basement Area	386 sqft
Finished Basement	192 sqft

Exterior

Year Built	Built 1988
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Wood Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,150 sqft (0.164 acres)
Lot Dimensions	143 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	320 E PAYTON AVE
City	DES MOINES
State	IA
Zip	50315-5854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 141 CUMMINSFORD
Legal Range	24W
Legal Township	78N
Legal Section	27
Legal Subdivision	CUMMINSFORD
Legal Lot Number	141
Jurisdiction	POLK IA
Township / Civil Division	BLOOMFIELD
Census Block Group	2
Census Block	2014
Census Tract	4602

Owner

320 E Payton Ave is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	320 E PAYTON AVE, DES MOINES, IA 50315-5854
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
Feb 6, 2017	Deed of Trust, Mortgage IOWA STATE BANK
Sep 21, 2018	Warranty Deed, Transfer · Conventional with PMI COMMUNITY CHOICE CU
Jan 27, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 9, 2017	Trustee's Deed, Construction Loan · Construction Mortgage LAB INVESTMENT CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on File
Deed Sale	Sep 21, 2018 · Amount on File
Prior Sale	Dec 2, 2016 · Amount on File
Deed Document Number	2018-00023860
Deed Book / Page	17084 / 0751
Record Updated	Jun 7, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	320 E PAYTON AVE, DES MOINES, IA 50315-5854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067260
Date	Feb 6, 2017
Book Page	16367/0019
Instrument	2016-00067260

Lender

Name	IOWA STATE BANK
Type	Bank
Address	DES MOINES, IA 50309

Agreement

Amount	Amount on Record
Term	60 Months
Due	Feb 15, 2022

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Sep 21, 2018
Property Address	320 E PAYTON AVE, DES MOINES, IA 50315-5854
Document Number	0000023860
Book / Page	017084 / 000751
Instrument Date	Sep 12, 2018
Instrument	23860
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	320 E PAYTON AVE DES MOINES IA 503155854, DES MOINES, IA 50315-5854

Mortgage

Document Number	23862
Date	Sep 21, 2018
Book Page	017084/000755
Instrument	23862

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union
Address	CLIVE, IA 50325

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2048

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK IA
Recording Date	Jan 27, 2017
Property Address	320 E PAYTON AVE, DES MOINES, IA 50315-5854
Document Number	0000065171
Book / Page	016357 / 000760
Instrument Date	Jan 27, 2017
Instrument	65171
Transaction Type	Transfer
Record Updated	Mar 15, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1737 17TH ST WEST DES MOINES IA 502651608, WEST DES MOINES, IA 50265-1608

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	POLK IA
Recording Date	Jan 9, 2017
Property Address	320 E PAYTON AVE, DES MOINES, IA 50315-5854
Book / Page	016338 / 000044
Instrument Date	Nov 21, 2016
Instrument	60145
Transaction Type	Construction Loan
Record Updated	Jan 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	320 E PAYTON AVE DES MOINES IA 503155854, DES MOINES, IA 50315-5854

Mortgage

Document Number	0000060145
Date	Jan 9, 2017
Book Page	016338/000044
Instrument	60145

Lender

Name	LAB INVESTMENT CO INC
Address	WEST DES MOINES, IA 50265

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 8, 2018

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		$208,800 Land $34,200 Building $174,600	$208,800 Land $34,200 Building $174,600
2024	$3,736.00
2023		$186,100 Land $29,900 Building $156,200	$186,100 Land $29,900 Building $156,200
2020	$3,370.00

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

Flood

FEMA maps place 320 E Payton 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 320 E Payton 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 99.8% 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 509 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
CenturyLink Fiber	2,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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