Polk County property record for 4456 E 48th St, Des Moines, IA 50317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,356 sqft · built 2020 |
| Lot Size | 0.219 acres (9,538 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jan 2021) |
| Tax Bill | $1,766 (2024) |
| Deeds & Mortgages | Aug 2023 Mortgage Sep 2021 Document + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 060/07934-500-017 |
| Primary APN | 060/07934-500-017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| Gross Area | 3,008 sqft |
| 1st Floor Area | 1,284 sqft |
| Basement Area | 1,284 sqft |
| Finished Basement | 72 sqft |
| Unfinished Basement | 1,212 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,538 sqft (0.219 acres) |
| Lot Dimensions | 173 ft deep x 55 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 4456 E 48TH ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50317-4864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 15 SUMMERSFIELD PLAT 4 |
| Legal Subdivision | SUMMERSFIELD PLAT 4 |
| Legal Lot Number | 15 |
| Jurisdiction | POLK IA |
| Township / Civil Division | DELAWARE |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 10602 |
4456 E 48th St is owned and occupied by an individual who bought it in January 2021.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Sep 23, 2021 | |
| Jan 19, 2021 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage AMCAP MORTGAGE LTD |
| Aug 26, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 19, 2021 · Amount on File |
| Deed Sale | Jan 19, 2021 · Amount on File |
| Deed Book / Page | 18310 / 862 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Document Number | 0000046575 |
|---|---|
| Date | Aug 30, 2023 |
| Book Page | 19585/489 |
| Instrument | 2023-00046575 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 330 Months |
| Due | Feb 1, 2051 |
| Jurisdiction | POLK IA |
|---|---|
| Recording Date | Sep 23, 2021 |
| Property Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Document Number | 202100100591 |
| Book / Page | 18767 / 485 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021-00100591 |
| Record Updated | Oct 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Jan 19, 2021 |
| Property Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Document Number | 202100005726 |
| Book / Page | 18310 / 862 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 2021-00005726 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 19, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $399.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Document Number | 202100005728 |
|---|---|
| Date | Jan 19, 2021 |
| Instrument | 2021-00005728 |
| Name | AMCAP MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Aug 26, 2020 |
| Property Address | 4456 E 48TH ST, DES MOINES, IA 50317-4864 |
| Document Number | 0000022248 |
| Book / Page | 018028 / 000714 |
| Instrument Date | Jul 24, 2020 |
| Instrument | 22248 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $230.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6900 WESTOWN PKWY WEST DES MOINES IA 502662520, WEST DES MOINES, IA 50266-2520 |
| Investor | Possibly a Property Investor |
Source: Polk County assessment roll, as of October 13, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Polk County |
| Municipality | Des Moines City |
| Unified School District | Southeast Polk Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $317,200 Land $65,400 Building $251,800 | $317,200 Land $65,400 Building $251,800 | |
| 2024 | $1,766.00 | ||
| 2023 | $294,100 Land $60,500 Building $233,600 | $294,100 Land $60,500 Building $233,600 | |
| 2020 | $12.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4456 E 48th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
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 risk around 4456 E 48th St is low, with less than a 0.01% annual chance of 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.
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 56 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 |
| CenturyLink Fiber | 2,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
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