3224 E 13th St, Des Moines, IA 50316 Property Records

Polk County property record for 3224 E 13th St, Des Moines, IA 50316

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,650 sqft · built 1947
Lot Size	0.157 acres (6,850 sqft)
Owner	Individual Name on File
Last Sale	$101,000 (May 2019)
Tax Bill	$3,632 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`110/03799-000-000`

Property Details

APN / Parcel Number

Primary APN	`110/03799-000-000`
Alternative APN	`792426276019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area
Gross Area	2,830 sqft
1st Floor Area	988 sqft
Upper Floors Area	662 sqft
Basement Area	988 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,850 sqft (0.157 acres)
Lot Dimensions	137 ft deep x 50 ft wide
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Steam
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	3224 E 13TH ST
City	DES MOINES
State	IA
Zip	50316-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 4 KRYSHERS 2ND ADD PLAT 4
Legal Subdivision	KRYSHERS 2ND ADDITION PLAT 4
Legal Block	4
Legal Lot Number	7
Jurisdiction	POLK IA
Township / Civil Division	LEE
Census Block Group	1
Census Block	1011
Census Tract	500

Owner

3224 E 13th St is owned and occupied by an individual who bought it in May 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3224 E 13TH ST, DES MOINES, IA 50316-1228
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
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY FIRST CREDIT UNION
Feb 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY 1ST CU
May 17, 2019	Warranty Deed, Transfer · ARM COMMUNITY 1ST CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2019 · Amount on File
Deed Sale	May 17, 2019 · Amount on File
Prior Sale	Jan 10, 2013 · Amount on File
Deed Document Number	20192018-00081737
Deed Book / Page	17330 / 757
Prior Transfer Date	May 18, 2005
Prior Transfer Doc	0000111820
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Recording Date	Apr 16, 2026
Property Address	3224 E 13TH ST, DES MOINES, IA 50316-1228
Document Number	0000021348
Book / Page	20485 / 701
Instrument Date	Apr 9, 2026
Instrument	202621348
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 E 13TH ST, DES MOINES, IA 50316-1228

Mortgage

Document Number	0000021348,
Date	Apr 16, 2026
Book Page	20485/701
Instrument	202621348

Lender

Name	COMMUNITY FIRST CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 28, 2051

Interest

Rate	6.11%
Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3224 E 13TH ST, DES MOINES, IA 50316-1228
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013496
Date	Feb 18, 2022
Book Page	18992/495
Instrument	2022-00013496

Lender

Name	COMMUNITY 1ST CU
Type	Credit Union
Address	OTTUMWA, IA 52501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	May 17, 2019
Property Address	3224 E 13TH ST, DES MOINES, IA 50316-1228
Document Number	201800081737
Book / Page	17330 / 0757
Instrument Date	May 15, 2019
Instrument	2018-00081737
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3224 E 13TH ST, DES MOINES, IA 50316-1228

Mortgage

Document Number	201800081739
Date	May 17, 2019
Instrument	2018-00081739

Lender

Name	COMMUNITY 1ST CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	10.3%

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	Des Moines Independent Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$224,200 Land $32,600 Building $191,600	$224,200 Land $32,600 Building $191,600
2024	$3,632.00
2023		$195,100 Land $28,000 Building $167,100	$195,100 Land $28,000 Building $167,100
2020	$3,122.00

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

Flood

FEMA maps place 3224 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 3224 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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