4340 E 48th St, Des Moines, IA 50317 Property Records

Polk County property record for 4340 E 48th St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,723 sqft · built 2017
Lot Size	0.268 acres (11,677 sqft)
Owner	2 Company Names on Record
Last Sale	$269,000 (Mar 2021)
Tax Bill	$5,272 (2025)
Deeds & Mortgages	Jul 2026 Transfer Apr 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`060/07934-400-020`

Property Details

APN / Parcel Number

Primary APN	`060/07934-400-020`
Alternative APN	`792322151010`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,723 sqft Living Area
Gross Area	3,286 sqft
1st Floor Area	1,423 sqft
Basement Area	1,423 sqft
Finished Basement	1,300 sqft
Unfinished Basement	123 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,677 sqft (0.268 acres)
Lot Width	65 ft Width
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	120 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4340 E 48TH ST
City	DES MOINES
State	IA
Zip	50317-4862
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 SUMMERSFIELD PLAT 3
Legal Subdivision	SUMMERSFIELD PLAT 3
Legal Lot Number	20
Jurisdiction	POLK IA
Township / Civil Division	DELAWARE
Census Block Group	2
Census Block	2051
Census Tract	10602

Owner

Source: Polk County records, as of August 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	4340 E 48TH ST, DES MOINES, IA 50317-4862
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 13, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Nov 3, 2021	Intrafamily Transfer, Transfer
Mar 10, 2021	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY CHOICE CU
Apr 30, 2018	Deed of Trust, Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2021 · Amount on Record
Deed Sale	Mar 10, 2021 · Amount on Record
Deed Document Number	202124846
Deed Book / Page	18406 / 979
Last Transfer Date	Oct 1, 2021
Transfer Doc	0000116651
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK IA
Recording Date	Jul 30, 2026
Property Address	4340 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	0000046973
Book / Page	20609 / 714
Instrument Date	Jul 29, 2026
Instrument	202646973
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	4340 E 48TH ST, DES MOINES, IA 50317-4862

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Recording Date	Apr 13, 2026
Property Address	4340 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	0000020377
Book / Page	20480 / 986
Instrument Date	Apr 6, 2026
Instrument	202620377
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 E 48TH ST, DES MOINES, IA 50317-4862

Mortgage

Document Number	0000020377,
Date	Apr 13, 2026
Book Page	20480/986
Instrument	202620377

Lender

Name	COASTAL COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6%
Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK IA
Recording Date	Nov 3, 2021
Property Address	4340 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	202100116651
Book / Page	18843 / 344
Instrument Date	Oct 1, 2021
Instrument	2021-00116651
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 E 48TH ST, DES MOINES, IA 50317-4862

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Mar 10, 2021
Property Address	4340 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	202100024846
Book / Page	18406 / 979
Instrument Date	Mar 4, 2021
Instrument	2021-00024846
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4340 E 48TH ST, DES MOINES, IA 50317-4862

Mortgage

Document Number	202100024848
Date	Mar 10, 2021
Instrument	2021-00024848

Lender

Name	COMMUNITY CHOICE CU
Type	Credit Union

Agreement

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

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4340 E 48TH ST, DES MOINES, IA 50317-4862
Document Number	0000084018
Instrument Date	Apr 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4340 E 48TH ST DES MOINES IA 503174862, DES MOINES, IA 50317-4862

Mortgage

Document Number	0000084018
Date	May 2, 2018
Book Page	016904/000854
Instrument	84018

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MI 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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	Southeast Polk Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,272.00 (+34.76%) Homeowner's exemption	$336,200 (+14.24%) Land $67,000 Building $269,200	$336,200 (+14.24%) Land $67,000 Building $269,200
2024	$3,912.00 (+389%)
2023		$294,300 Land $62,000 Building $232,300	$294,300 Land $62,000 Building $232,300
2020	$800.00

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 96% of the US · lower than 71% 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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