430 E Bell Ave, Des Moines, IA 50315 Property Records

Polk County property record for 430 E Bell Ave, Des Moines, IA 50315

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,476 sqft · built 1957
Lot Size	0.167 acres (7,260 sqft)
Owner	Individual Name on File
Last Sale	$156,500 (Jul 2020)
Tax Bill	$3,760 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010/01187-000-000`

Property Details

APN / Parcel Number

Primary APN	`010/01187-000-000`
Alternative APN	`782415176028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
Gross Area	1,740 sqft
1st Floor Area	876 sqft
Basement Area	864 sqft
Finished Basement	600 sqft
Unfinished Basement	264 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	7,260 sqft (0.167 acres)
Lot Dimensions	110 ft deep x 66 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	100 sqft
Canopy	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	430 E BELL AVE
City	DES MOINES
State	IA
Zip	50315-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 66F E 254F LOT 85 CRAWFORD PLACE
Legal Subdivision	CRAWFORD PLACE
Legal Lot Number	85
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	3
Census Block	3007
Census Tract	4400

Owner

430 E Bell Ave is owned and occupied by an individual who bought it in July 2020.

Source: Polk County records, as of October 13, 2025

Owner of Record	Individual Name on File
Mailing Address	430 E BELL AVE, DES MOINES, IA 50315-1709
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage STEARNS LNDG LLC
Jul 20, 2020	Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
Dec 18, 2017	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on File
Deed Sale	Jul 20, 2020 · Amount on File
Prior Sale	Aug 10, 2016 · Amount on File
Deed Document Number	20207396
Deed Book / Page	17957 / 963
Prior Transfer Date	Aug 1, 2011
Prior Transfer Doc	0000009665
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	430 E BELL AVE, DES MOINES, IA 50315-1709
Document Number	0000007398
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1445 9TH ST DES MOINES IA 503142814, DES MOINES, IA 50314-2814

Mortgage

Document Number	0000007398
Date	Jul 20, 2020
Book Page	017957/000967
Instrument	7398

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jul 20, 2020
Property Address	430 E BELL AVE, DES MOINES, IA 50315-1709
Document Number	202000007396
Book / Page	17957 / 963
Instrument Date	Jul 15, 2020
Instrument	2020-00007396
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 E BELL AVE, DES MOINES, IA 50315-1709

Mortgage

Document Number	202000007398
Date	Jul 20, 2020
Instrument	2020-00007398

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	430 E BELL AVE, DES MOINES, IA 50315-1709
Document Number	0000053514
Book / Page	016779 / 000223
Instrument Date	Dec 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	430 E BELL AVE DES MOINES IA 503151709, DES MOINES, IA 50315-1709

Mortgage

Document Number	0000053514
Date	Jan 2, 2018
Book Page	016779/000223
Instrument	53514

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2043

Interest

Rate Type	Adjustable Rate

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		$206,000 Land $23,100 Building $182,900	$206,000 Land $23,100 Building $182,900
2024	$3,760.00
2023		$191,100 Land $21,100 Building $170,000	$191,100 Land $21,100 Building $170,000
2020	$2,894.00

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

Flood

FEMA maps place 430 E Bell Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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
Nearby Flood Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1993 · Severe Storms & Flooding

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 430 E Bell Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.02% 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 322 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

May also be available: AT&T, Verizon.

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