3902 E 40th St, Des Moines, IA 50317 Property Records

Polk County property record for 3902 E 40th St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,689 sqft · built 1962
Lot Size	0.176 acres (7,643 sqft)
Owner	Individual Name on Record
Last Sale	$202,000 (Sep 2022)
Tax Bill	$3,848 (2024)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`060/00849-044-000`

Property Details

APN / Parcel Number

Primary APN	`060/00849-044-000`
Alternative APN	`792321353014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	1,689 sqft Living Area
Gross Area	2,014 sqft
1st Floor Area	1,026 sqft
Basement Area	988 sqft
Finished Basement	663 sqft
Unfinished Basement	325 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2018
Architectural Style	Split Foyer
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,643 sqft (0.176 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Garage Area	320 sqft
Deck Area	324 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	3902 E 40TH ST
City	DES MOINES
State	IA
Zip	50317-8152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 CASTALIA PLAZA
Legal Subdivision	CASTALIA PLAZA
Legal Lot Number	45
Jurisdiction	POLK IA
Township / Civil Division	LEE
Census Block Group	1
Census Block	1011
Census Tract	101

Owner

Source: Polk County records, as of March 26, 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 Record
Mailing Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSOCIATION
Apr 6, 2023	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Sep 26, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage IOWA FINANCE AUTHORITY
Jun 11, 2018	Deed of Trust, Transfer · FHA Mortgage HOMESERVICES LNDG
May 4, 2018	Warranty Deed, Transfer NOT AVAILABLE
Mar 27, 2018	Warranty Deed, Transfer
Feb 15, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2022 · Amount on Record
Deed Sale	Sep 26, 2022 · Amount on Record
Prior Sale	Jun 14, 2018 · Amount on Record
Deed Document Number	202275407
Deed Book / Page	19276 / 255
Prior Transfer Date	Dec 21, 2016
Prior Transfer Doc	0000057990
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Transaction Type	Mortgage
Record Updated	Feb 8, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3902 E 40TH ST, DES MOINES, IA 50317-8152

Mortgage

Document Number	0000004593
Date	Jan 31, 2024
Book Page	19708/708
Instrument	2024-00004593

Lender

Name	IDAHO HOUSING & FINANCE ASSOCIATION
Type	Private Party
Address	565 W MYRTLE ST, BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Oct 1, 2052

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Transaction Type	Mortgage
Record Updated	Apr 20, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3902 E 40TH ST, DES MOINES, IA 50317-8152

Mortgage

Document Number	0000015915
Date	Apr 6, 2023
Book Page	19439/90
Instrument	2023-00015915

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Sep 26, 2022
Property Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Document Number	0000075407
Book / Page	19276 / 255
Instrument Date	Sep 20, 2022
Instrument	2022-00075407
Transaction Type	Transfer
Record Updated	Oct 10, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$322.40
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3902 E 40TH ST, DES MOINES, IA 50317-8152

Mortgage

Document Number	0000075409
Date	Sep 26, 2022
Instrument	2022-00075409

Lender

Name	IOWA FINANCE AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	0000075408
Date	Sep 26, 2022
Book Page	19276/257
Instrument	2022-00075408

Lender

Name	FIDELITY BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

June 2018: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Document Number	0000097106
Instrument Date	Jun 11, 2018
Transaction Type	Transfer
Record Updated	Jul 9, 2018

Transaction

Additional	Arm's Length

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3902 E 40TH ST DES MOINES IA 503178152, DES MOINES, IA 50317-8152

Mortgage

Document Number	0000097106
Date	Jun 14, 2018
Book Page	016961/000516
Instrument	97106

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	May 4, 2018
Property Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Document Number	0000085073
Book / Page	016909 / 000223
Instrument Date	May 1, 2018
Instrument	85073
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$216.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1215 ANKENY IA 500210975, ANKENY, IA 50021-0975

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Mar 27, 2018
Property Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Document Number	0000073591
Book / Page	016860 / 000448
Instrument Date	Mar 23, 2018
Instrument	73591
Transaction Type	Transfer
Record Updated	Apr 16, 2018

Transaction

Amount	Amount Recorded
Tax	$152.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4725 MERLE HAY RD DES MOINES IA 503221983, DES MOINES, IA 50322-1983

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Feb 15, 2018
Property Address	3902 E 40TH ST, DES MOINES, IA 50317-8152
Document Number	0000063702
Book / Page	016820 / 000119
Instrument Date	Feb 9, 2018
Instrument	63702
Transaction Type	Transfer
Record Updated	Feb 22, 2018

Transaction

Amount	Amount Recorded
Tax	$106.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4725 MERLE HAY RD DES MOINES IA 503221983, DES MOINES, IA 50322-1983

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		$233,400 (+13.25%) Land $40,800 Building $192,600	$233,400 (+13.25%) Land $40,800 Building $192,600
2024	$3,848.00 (-5.03%)
2023		$206,100 Land $35,700 Building $170,400	$206,100 Land $35,700 Building $170,400
2020	$4,052.00

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

Flood

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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	32 (2010–2026)
Claims Outside the SFHA	13 of 32
Most Recent Claim	Jul 2026 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2026 · 12 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jul 2018 · 17 claims Severe Storms, Flooding, And Tornadoes, Aug 2010 · 3 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

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 505 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 DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Google Fiber, Verizon.

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