3923 Merced St, Des Moines, IA 50310 Property Records

Polk County property record for 3923 Merced St, Des Moines, IA 50310

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,163 sqft · built 1960
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on Record
Last Sale	$193,500 (Jun 2020)
Tax Bill	$4,188 (2024)
Deeds & Mortgages	Oct 2023 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7924-20-178-019`

Property Details

APN / Parcel Number

Primary APN	`7924-20-178-019`
Alternative APN	`100/10007-013-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,163 sqft Living Area
Gross Area	2,326 sqft
1st Floor Area	1,163 sqft
Basement Area	1,163 sqft

Exterior

Year Built	Built 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft
Deck Area	221 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	3923 MERCED ST
City	DES MOINES
State	IA
Zip	50310-4230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 MONTEREY PARK PLAT NO 2
Legal Range	24W
Legal Township	79N
Legal Section	20
Legal Subdivision	MONTEREY PARK PLAT 2
Legal Lot Number	13
Jurisdiction	POLK IA
Township / Civil Division	WEBSTER
Census Block Group	3
Census Block	3002
Census Tract	704

Owner

Source: Polk County records, as of October 15, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3923 MERCED ST, DES MOINES, IA 50310-4230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Deed of Trust, Mortgage · Line of Credit NEIGHBORHOOD FINANCE CORP
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Sep 5, 2018	Deed of Trust, Mortgage · Line of Credit GREAT WESTERN BANK
Jun 26, 2020	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2020 · Amount on Record
Deed Sale	Jun 26, 2020 · Amount on Record
Prior Sale	Jul 16, 2001 · Amount on Record
Deed Document Number	2019-00113095
Deed Book / Page	17912 / 844
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3923 MERCED ST, DES MOINES, IA 50310-4230
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 MERCED ST, DES MOINES, IA 50310-4230

Mortgage

Document Number	0000054866
Date	Oct 12, 2023
Book Page	19625/531
Instrument	2023-00054866

Lender

Name	NEIGHBORHOOD FINANCE CORP
Type	Lending Institution
Address	DES MOINES, IA 50310

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 6, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3923 MERCED ST, DES MOINES, IA 50310-4230
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100092004
Date	Aug 31, 2021
Book Page	18726/106
Instrument	2021-00092004

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	3923 MERCED ST, DES MOINES, IA 50310-4230
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019029
Date	Sep 5, 2018
Book Page	17064/0455
Instrument	2018-00019029

Lender

Name	GREAT WESTERN BANK
Type	Bank
Address	CLIVE, IA 50325

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 26, 2020
Property Address	3923 MERCED ST, DES MOINES, IA 50310-4230
Document Number	201900113095
Book / Page	17912 / 844
Instrument Date	Jun 15, 2020
Instrument	2019-00113095
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$308.80
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	3923 MERCED ST, DES MOINES, IA 50310-4230

Mortgage

Document Number	201900113097
Date	Jun 26, 2020
Instrument	2019-00113097

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of May 1, 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		$240,900 (+10.1%) Land $50,000 Building $190,900	$240,900 (+10.1%) Land $50,000 Building $190,900
2024	$4,188.00 (+4.49%)
2023		$218,800 Land $44,700 Building $174,100	$218,800 Land $44,700 Building $174,100
2020	$4,008.00

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

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

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	Direct burnable vegetation

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 264 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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