4308 E 48th St, Des Moines, IA 50317 Property Records

Polk County property record for 4308 E 48th St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,490 sqft · built 2018
Lot Size	0.307 acres (13,398 sqft)
Owner	Individual Name on Record
Last Sale	$312,000 (Jun 2022)
Tax Bill	$4,470 (2024)
Deeds & Mortgages	Jan 2024 Line of Credit Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7923-22-151-018`

Property Details

APN / Parcel Number

Primary APN	`7923-22-151-018`
Alternative APN	`060/07934-400-028`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,490 sqft Living Area
Gross Area	2,666 sqft
1st Floor Area	736 sqft
Upper Floors Area	754 sqft
Basement Area	736 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,398 sqft (0.307 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	120 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	4308 E 48TH ST
City	DES MOINES
State	IA
Zip	50317-4862
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 SUMMERSFIELD PLAT 3
Legal Subdivision	SUMMERSFIELD PLAT 3
Legal Lot Number	28
Jurisdiction	POLK IA
Township / Civil Division	DELAWARE
Census Block Group	2
Census Block	2051
Census Tract	10602

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
Mailing Address	4308 E 48TH ST, DES MOINES, IA 50317-4862
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jun 14, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Jun 14, 2019 · Amount on Record
Deed Document Number	2022-00044497
Deed Book / Page	19133 / 872
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4308 E 48TH ST, DES MOINES, IA 50317-4862
Transaction Type	Mortgage
Record Updated	Feb 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4308 E 48TH ST, DES MOINES, IA 50317-4862

Mortgage

Document Number	0000003786
Date	Jan 26, 2024
Book Page	19704/972
Instrument	2024-00003786

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 16, 2049

Interest

Change Frequency	Monthly

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 1, 2022
Property Address	4308 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	0000044497
Book / Page	19133 / 872
Instrument Date	May 26, 2022
Instrument	2022-00044497
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$498.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4308 E 48TH ST, DES MOINES, IA 50317-4862

Mortgage

Document Number	0000044500
Date	Jun 1, 2022
Instrument	2022-00044500

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 14, 2019
Property Address	4308 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	201800090002
Book / Page	17367 / 0070
Instrument Date	May 30, 2019
Instrument	2018-00090002
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$392.00
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	4308 E 48TH ST, DES MOINES, IA 50317-4862

Mortgage

Document Number	201800090004
Date	Jun 14, 2019
Instrument	2018-00090004

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	Southeast Polk Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$335,900 (+6.57%) Land $68,200 Building $267,700	$335,900 (+6.57%) Land $68,200 Building $267,700
2024	$4,470.00 (-5.7%)
2023		$315,200 Land $63,100 Building $252,100	$315,200 Land $63,100 Building $252,100
2020	$4,740.00

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2026 · rainfall accumulation

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	Low lower than 95% of the US · lower than 68% 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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