3904 3rd St, Des Moines, IA 50313 Property Records

Polk County property record for 3904 3rd St, Des Moines, IA 50313

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,120 sqft · built 1922
Lot Size	0.146 acres (6,350 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Aug 2025)
Tax Bill	$2,514 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`070/01695-000-000`

Property Details

APN / Parcel Number

Primary APN	`070/01695-000-000`
Alternative APN	`792422478023`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	1,559 sqft
1st Floor Area	720 sqft
Basement Area	720 sqft
Finished Basement	400 sqft
Unfinished Basement	320 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,350 sqft (0.146 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	119 sqft
Deck Area	35 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	3904 3RD ST
City	DES MOINES
State	IA
Zip	50313-3514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK 6 PLAT OF BLKS 4,5,6 & 7 HIGHLAND PARK ADD
Legal Subdivision	HIGHLAND PARK ADD BLKS 4,5,6,7
Legal Block	6,4,5
Legal Lot Number	11
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	3
Census Block	3009
Census Tract	400

Owner

3904 3rd St is owned and occupied by two individuals who bought it in August 2025.

Source: Polk County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3904 3RD ST, DES MOINES, IA 50313-3514
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
Aug 28, 2023	Deed of Trust, Mortgage · Commercial Mortgage UNION STATE BANK
Aug 1, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
May 9, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage LIQUID LENDING SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Prior Sale	May 9, 2023 · Amount on File
Deed Document Number	202544768
Deed Book / Page	20222 / 911
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3904 3RD ST, DES MOINES, IA 50313-3514
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5406 DOUGLAS AVE, DES MOINES, IA 50310-1840
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045850
Date	Aug 28, 2023
Book Page	19581/945
Instrument	2023-00045850

Lender

Name	UNION STATE BANK
Type	Bank
Address	WINTERSET, IA 50273

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 15, 2048

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Aug 1, 2025
Property Address	3904 3RD ST, DES MOINES, IA 50313-3514
Document Number	0000044768
Book / Page	20222 / 911
Instrument Date	Jul 16, 2025
Instrument	2025-00044768
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.60
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	3904 3RD ST, DES MOINES, IA 50313-3514

Mortgage

Document Number	0000044769
Date	Aug 1, 2025
Instrument	2025-00044769

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	12.6%

Mortgage

Document Number	0000044770
Date	Aug 1, 2025
Book Page	20222/927
Instrument	2025-00044770

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	2355 LANDON RD, NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2035

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	May 9, 2023
Property Address	3904 3RD ST, DES MOINES, IA 50313-3514
Document Number	0000022393
Book / Page	19469 / 338
Instrument Date	May 8, 2023
Instrument	2023-00022393
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2907 MERLE HAY RD, DES MOINES, IA 50310-1103
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022394
Date	May 9, 2023
Instrument	2023-00022394

Lender

Name	LIQUID LENDING SOLUTIONS
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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		$147,700 Land $28,900 Building $118,800	$147,700 Land $28,900 Building $118,800
2024	$2,514.00
2023		$127,800 (+24.08%) Land $25,100 Building $102,700	$127,800 Land $25,100 Building $102,700
2022		$103,000 Land $21,200 Building $81,800
2021			$103,000 Land $21,200 Building $81,800
2020	$2,144.00

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

Flood

FEMA maps place 3904 3rd St 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

The area around 3904 3rd 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 750 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Google Fiber Fiber	8,000 / 8,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	2,000 / 1,000
Verizon Fixed Wireless	1,000 / 75

May also be available: AT&T.

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