Polk County property record for 430 E Locust St, Des Moines, IA 50309
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2 bd · 1 ba · 7,920 sqft · built 1880 |
| Lot Size | 0.06 acres (2,640 sqft) |
| Owner | Company Name on Record |
| Last Sale | $85,000 (Sep 1997) |
| Tax Bill | $11,232 (2024) |
| Deeds & Mortgages | Oct 2018 Mortgage Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7824-03-305-017 |
| Primary APN | 7824-03-305-017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 7,920 sqft Total Area |
| 1st Floor Area | 2,640 sqft |
| Upper Floors Area | 200 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Stone |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 2,640 sqft (0.06 acres) |
| Lot Dimensions | 132 ft deep x 20 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 430 E LOCUST ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50309-1910 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | C-3B |
| Legal Description | W 1/3 LOT 14 BLK 9 EAST FORT DES MOINES |
| Legal Range | 24W |
| Legal Township | 78N |
| Legal Section | 3 |
| Legal Subdivision | EAST FORT DES MOINES |
| Legal Block | 9 |
| Legal Lot Number | 14 |
| Jurisdiction | POLK IA |
| Township / Civil Division | LEE |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 5102 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2932 INGERSOLL AVE, DES MOINES, IA 50312-4015 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Oct 1, 2018 | Deed of Trust, Mortgage · Commercial Mortgage IOWA STATE BANK |
| Sep 12, 2019 | Grant Deed, Mortgage VISIONBANK OF IA |
| Sep 29, 2017 | Trustee's Deed, Transfer · Line of Credit IOWA ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 1997 · Amount on Record |
| Deed Sale | Sep 26, 1997 · Amount on Record |
| Prior Sale | Sep 26, 1997 |
| Deed Document Number | 024666 |
| Deed Book / Page | 0000007732 / 0000000570 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 430 E LOCUST ST, DES MOINES, IA 50309-1910 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000026313 |
|---|---|
| Date | Oct 1, 2018 |
| Book Page | 17094/0869 |
| Instrument | 2018-00026313 |
| Name | IOWA STATE BANK |
|---|---|
| Type | Bank |
| Address | CLARKSVILLE, IA 50619 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Sep 12, 2019 |
| Property Address | 430 E LOCUST ST, DES MOINES, IA 50309-1910 |
| Book / Page | 017492 / 000232 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 23264 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 104 CHESTNUT ST AMES IA 500108058, AMES, IA 50010-8058 |
| Document Number | 0000023264 |
|---|---|
| Date | Sep 12, 2019 |
| Book Page | 017492/000232 |
| Instrument | 23264 |
| Name | VISIONBANK OF IA |
|---|---|
| Type | Bank |
| Address | 2932 INGERSOLL AVE, DES MOINES, IA 50312-4015 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 11, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Sep 29, 2017 |
| Property Address | 430 E LOCUST ST, DES MOINES, IA 50309-1910 |
| Document Number | 0000027483 |
| Book / Page | 016665 / 000630 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 27483 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2017 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,159.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2932 INGERSOLL AVE DES MOINES IA 503124015, DES MOINES, IA 50312-4015 |
| Document Number | 27797 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 016666/000967 |
| Instrument | 27797 |
| Name | IOWA ST BK |
|---|---|
| Type | Bank |
| Address | PO BOX 99, CLARKSVILLE, IA 50619-0099 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $442,000 (+77.17%) Land $102,000 Building $340,000 | $442,000 (+77.17%) Land $102,000 Building $340,000 | |
| 2024 | $11,232.00 (+22.94%) | ||
| 2023 | $249,480 Land $67,320 Building $182,160 | $249,480 Land $67,320 Building $182,160 | |
| 2020 | $9,136.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 13 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 2 (2008) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2008 · Severe Storms, Tornadoes, And Flooding |
| 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.
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.
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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 2,000 / 1,000 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Google Fiber, ICS Advanced Technologies, Metronet, Vero Fiber.
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