Polk County property record for 431 E Gray St, Des Moines, IA 50315
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 753 sqft · built 1956 |
| Lot Size | 0.233 acres (10,174 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Sep 2021) |
| Tax Bill | $3,172 (2024) |
| Deeds & Mortgages | Sep 2021 Second Mortgage Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7824-15-127-033 |
| Primary APN | 7824-15-127-033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 753 sqft Living Area |
| Gross Area | 1,006 sqft |
| 1st Floor Area | 753 sqft |
| Basement Area | 753 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1956 |
|---|---|
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Wood Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,174 sqft (0.233 acres) |
| Lot Dimensions | 135 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 176 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Street Address | 431 E GRAY ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50315-1743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST 75F W 150F N 135.65F LOT 61 CRAWFORD PLACE |
| Legal Subdivision | CRAWFORD PLACE |
| Legal Lot Number | 61 |
| Jurisdiction | POLK IA |
| Township / Civil Division | DES MOINES |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 4400 |
Source: Polk County records · APN 7824-15-127-033
Assessment roll updated May 1, 2025 · Last verified October 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 File |
|---|---|
| Mailing Address | 431 E GRAY ST, DES MOINES, IA 50315-1743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU |
| Sep 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 26, 2021 · Amount on Record |
| Deed Sale | Sep 26, 2021 · Amount on Record |
| Deed Document Number | 0018769425 |
| Deed Book / Page | 18769 / 425 |
| Prior Transfer Date | Sep 24, 2021 |
| Prior Transfer Doc | 0000101014 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 431 E GRAY ST, DES MOINES, IA 50315-1743 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000101349 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 18770/786 |
| Instrument | 2021-00101349 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Address | NORTH LIBERTY, IA 52317 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 05, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Sep 24, 2021 |
| Property Address | 431 E GRAY ST, DES MOINES, IA 50315-1743 |
| Document Number | 0000101014 |
| Book / Page | 18769 / 425 |
| Instrument Date | Sep 02, 2021 |
| Instrument | 2021-00101014 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $239.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 431 E GRAY ST, DES MOINES, IA 50315-1743 |
| Document Number | 0000101016 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 2021-00101016 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 05, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | Sep 05, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 5% |
| Max Rate At Change | 5.87% |
| Index | 1-Year CMT |
| Max Rate | 9.87% |
Source: Polk County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Polk County |
| Municipality | Des Moines City |
| Unified School District | Des Moines Independent Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $170,300 (+7.78%) Land $26,800 Building $143,500 | $170,300 (+7.78%) Land $26,800 Building $143,500 | |
| 2024 | $3,172.00 (+74.29%) | ||
| 2023 | $158,000 Land $24,500 Building $133,500 | $158,000 Land $24,500 Building $133,500 | |
| 2020 | $1,820.00 |
Source: FEMA National Flood Hazard Layer as of August 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 96% of the US · lower than 71% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable · Fiber in parts of the area | 2,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 430 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DES MOINES WATER WORKS serves 246,055 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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