Polk County property record for 3610 Rose Ave, Des Moines, IA 50321
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,178 sqft · built 1998 |
| Lot Size | 0.32 acres (13,952 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Aug 2023) |
| Tax Bill | $8,208 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7824-19-177-023 |
| Primary APN | 7824-19-177-023 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,178 sqft Living Area |
| Gross Area | 3,421 sqft |
| 1st Floor Area | 1,028 sqft |
| Upper Floors Area | 1,150 sqft |
| Basement Area | 1,010 sqft |
| Finished Basement | 505 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Foundation Type | Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,952 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 738 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 390 sqft |
| Patio Area | 275 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Street Address | 3610 ROSE AVE |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50321-1882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 SOUTHPARK PLAZA PLAT 3 |
| Legal Subdivision | SOUTHPARK PLAZA PLAT 3 |
| Legal Lot Number | 2 |
| Jurisdiction | POLK IA |
| Township / Civil Division | DES MOINES |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 4004 |
3610 Rose Ave is owned and occupied by an individual who bought it in August 2023.
Source: Polk County records, as of October 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| 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.
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 21, 2023 | Warranty Deed, Transfer · FHA Mortgage FRONTIER FINANCIAL CONSULTANTS INC |
| Apr 4, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY 1ST CU |
| Nov 4, 2020 | Deed of Trust, Mortgage · Line of Credit COMMUNITY 1ST CU |
| Mar 19, 2020 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2023 · Amount on File |
| Deed Sale | Aug 21, 2023 · Amount on File |
| Prior Sale | Mar 19, 2020 · Amount on File |
| Deed Document Number | 2023-00044431 |
| Deed Book / Page | 19575 / 73 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| Document Number | 0000011278 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 20435/501 |
| Instrument | 2026-00011278 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD STE 175, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Aug 21, 2023 |
| Property Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| Document Number | 0000044431 |
| Book / Page | 19575 / 73 |
| Instrument Date | Aug 16, 2023 |
| Instrument | 2023-00044431 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $575.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| Document Number | 0000044433 |
|---|---|
| Date | Aug 21, 2023 |
| Instrument | 2023-00044433 |
| Name | FRONTIER FINANCIAL CONSULTANTS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000015265 |
|---|---|
| Date | Apr 4, 2023 |
| Book Page | 19436/120 |
| Instrument | 2023-00015265 |
| Name | COMMUNITY 1ST CU |
|---|---|
| Type | Credit Union |
| Address | OTTUMWA, IA 52501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Apr 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 4% |
| Max Rate At Change | 7.37% |
| Index | 1-Year CMT |
| Max Rate | 10.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000052000 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 18174/449 |
| Instrument | 2020-00052000 |
| Name | COMMUNITY 1ST CU |
|---|---|
| Type | Credit Union |
| Address | OTTUMWA, IA 52501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | Sep 28, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Mar 19, 2020 |
| Property Address | 3610 ROSE AVE, DES MOINES, IA 50321-1882 |
| Document Number | 0000078658 |
| Book / Page | 017741 / 000775 |
| Instrument Date | Mar 17, 2020 |
| Instrument | 78658 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $504.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3610 ROSE AVE DES MOINES IA 503211882, DES MOINES, IA 50321-1882 |
| Document Number | 78660 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 017741/000778 |
| Instrument | 78660 |
| Name | MORTGAGE RESEARCH CTR |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 18, 2050 |
Source: Polk County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Polk County |
| Municipality | Des Moines City |
| Unified School District | Des Moines Independent Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $379,600 Land $59,900 Building $319,700 | $379,600 Land $59,900 Building $319,700 | |
| 2024 | $8,208.00 | ||
| 2023 | $408,900 (+34.33%) Land $58,600 Building $350,300 | $408,900 Land $58,600 Building $350,300 | |
| 2022 | $304,400 Land $45,200 Building $259,200 | ||
| 2021 | $304,400 Land $45,200 Building $259,200 | ||
| 2020 | $7,296.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3610 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 |
|
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 risk around 3610 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 98% of the US · lower than 82% 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.
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 |
| 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.
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 |
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