3420 Rose Ave, Des Moines, IA 50321 Property Records

Polk County property record for 3420 Rose Ave, Des Moines, IA 50321

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,255 sqft · built 1996
Lot Size	0.23 acres (10,002 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Oct 2023)
Tax Bill	$8,134 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`010/04795-632-000`

Property Details

APN / Parcel Number

Primary APN	`010/04795-632-000`
Alternative APN	`782419177033`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,255 sqft Living Area
Gross Area	4,387 sqft
1st Floor Area	1,542 sqft
Upper Floors Area	603 sqft
Basement Area	1,518 sqft
Finished Basement	1,110 sqft
Unfinished Basement	408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,002 sqft (0.23 acres)
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	114 sqft
Deck Area	200 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	3420 ROSE AVE
City	DES MOINES
State	IA
Zip	50321-1884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 SOUTHPARK PLAZA PLAT 3
Legal Subdivision	SOUTHPARK PLAZA PLAT 3
Legal Lot Number	12
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	2
Census Block	2019
Census Tract	4004

Owner

3420 Rose Ave is owned and occupied by two individuals who bought it in October 2023.

Source: Polk County records, as of October 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3420 ROSE AVE, DES MOINES, IA 50321-1884
Occupancy	Owner Occupied
Owner Type	Individual
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
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Oct 23, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2023 · Amount on File
Deed Sale	Oct 23, 2023 · Amount on File
Prior Sale	Feb 17, 2011 · Amount on File
Deed Document Number	202356931
Deed Book / Page	19634 / 585
Prior Transfer Date	Jul 31, 1997
Prior Transfer Doc	0000011208
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3420 ROSE AVE, DES MOINES, IA 50321-1884
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 ROSE AVE, DES MOINES, IA 50321-1884

Mortgage

Document Number	0000063807
Date	Oct 23, 2025
Book Page	20312/373
Instrument	2025-00063807

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	3940 N RAVENSWOOD AVE, CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Oct 23, 2023
Property Address	3420 ROSE AVE, DES MOINES, IA 50321-1884
Document Number	0000056931
Book / Page	19634 / 585
Instrument Date	Oct 20, 2023
Instrument	2023-00056931
Transaction Type	Transfer
Record Updated	Nov 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$679.20
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	3420 ROSE AVE, DES MOINES, IA 50321-1884

Mortgage

Document Number	0000056932
Date	Oct 23, 2023
Instrument	2023-00056932

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3420 ROSE AVE, DES MOINES, IA 50321-1884
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019997
Date	Sep 3, 2019
Book Page	17476/0852
Instrument	2019-00019997

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2034

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3420 ROSE AVE, DES MOINES, IA 50321-1884
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056083
Date	Dec 23, 2019
Book Page	17640/0337
Instrument	2019-00056083

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3420 ROSE AVE, DES MOINES, IA 50321-1884
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045656
Date	May 3, 2021
Book Page	18508/741
Instrument	2021-00045656

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

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		$427,000 Land $51,800 Building $375,200	$427,000 Land $51,800 Building $375,200
2024	$8,134.00
2023		$423,900 Land $50,600 Building $373,300	$423,900 Land $50,600 Building $373,300
2020	$7,380.00

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

Flood

FEMA maps place 3420 Rose Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1998.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	4 (1998–2010)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2010 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 2 claims

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

Wildfire risk around 3420 Rose 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 97% of the US · lower than 76% 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 234 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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