Polk County property record for 4523 E 48th St, Des Moines, IA 50317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,410 sqft · built 2019 |
| Lot Size | 0.276 acres (12,059 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $317,000 (Mar 2025) |
| Tax Bill | $2,670 (2024) |
| Deeds & Mortgages | Feb 2023 Line of Credit Feb 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7923-22-103-028 |
| Primary APN | 7923-22-103-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,410 sqft Living Area |
| Gross Area | 3,156 sqft |
| 1st Floor Area | 1,410 sqft |
| Basement Area | 1,410 sqft |
| Finished Basement | 64 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,059 sqft (0.276 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 30 sqft |
| Deck Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Street Address | 4523 E 48TH ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50317-4865 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 SUMMERSFIELD PLAT 4 |
| Legal Subdivision | SUMMERSFIELD PLAT 4 |
| Legal Lot Number | 11 |
| Jurisdiction | POLK IA |
| Township / Civil Division | DELAWARE |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 10602 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4523 E 48TH ST, DES MOINES, IA 50317-4865 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 27, 2023 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Feb 6, 2023 | Deed of Trust, Mortgage · Line of Credit VERIDIAN CU |
| Aug 5, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LEGACY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2025 · Amount on Record |
| Deed Sale | Mar 18, 2025 · Amount on Record |
| Prior Sale | Aug 5, 2020 · Amount on Record |
| Deed Document Number | 2025-00014134 |
| Deed Book / Page | 20076 / 896 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 4523 E 48TH ST, DES MOINES, IA 50317-4865 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4523 E 48TH ST, DES MOINES, IA 50317-4865 |
| Document Number | 0000008572 |
|---|---|
| Date | Feb 27, 2023 |
| Book Page | 19403/138 |
| Instrument | 2023-00008572 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 26, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 4523 E 48TH ST, DES MOINES, IA 50317-4865 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4523 E 48TH ST, DES MOINES, IA 50317-4865 |
| Document Number | 0000005676 |
|---|---|
| Date | Feb 6, 2023 |
| Book Page | 19390/21 |
| Instrument | 2023-00005676 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Address | WATERLOO, IA 50704 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 5, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Aug 5, 2020 |
| Property Address | 4523 E 48TH ST, DES MOINES, IA 50317-4865 |
| Document Number | 202000014145 |
| Book / Page | 17989 / 804 |
| Instrument Date | Jul 31, 2020 |
| Instrument | 2020-00014145 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 19, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4523 E 48TH ST, DES MOINES, IA 50317-4865 |
| Document Number | 0000014147 |
|---|---|
| Date | Aug 5, 2020 |
| Book Page | 17989/807 |
| Instrument | 2020-00014147 |
| Name | LEGACY BANK |
|---|---|
| Type | Bank |
| Address | BONDURANT, IA 50035 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Polk County assessment roll, as of May 1, 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 | $314,000 (+6.59%) Land $67,200 Building $246,800 | $314,000 (+6.59%) Land $67,200 Building $246,800 | |
| 2024 | $2,670.00 (+18,971.43%) | ||
| 2023 | $294,600 Land $62,200 Building $232,400 | $294,600 Land $62,200 Building $232,400 | |
| 2020 | $14.00 |
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 |
| 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.
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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