4603 E Merced St, Des Moines, IA 50317 Property Records

Polk County property record for 4603 E Merced St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,364 sqft · built 2015
Lot Size	0.275 acres (11,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,500 (Feb 2020)
Tax Bill	$5,456 (2024)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7923-22-153-001`

Property Details

APN / Parcel Number

Primary APN	`7923-22-153-001`
Alternative APN	`060/07934-244-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,364 sqft Living Area
Gross Area	2,824 sqft
1st Floor Area	660 sqft
Upper Floors Area	704 sqft
Basement Area	660 sqft

Exterior

Year Built	Built 2015
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,992 sqft (0.275 acres)
Lot Width	70 ft Width
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	4603 E MERCED ST
City	DES MOINES
State	IA
Zip	50317-4700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 SUMMERSFIELD PLAT 1
Legal Subdivision	SUMMERSFIELD PLAT 1
Legal Lot Number	44
Jurisdiction	POLK IA
Township / Civil Division	DELAWARE
Census Block Group	2
Census Block	2052
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	2 Individual Names on Record
Mailing Address	4603 E MERCED ST, DES MOINES, IA 50317-4700
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 18, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Mar 6, 2017	Warranty Deed, Subdivision Related Transfer · FHA Mortgage FIDELITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2020 · Amount on Record
Deed Sale	Feb 18, 2020 · Amount on Record
Prior Sale	Mar 6, 2017 · Amount on Record
Deed Document Number	2019-00070328
Deed Book / Page	17703 / 0196
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4603 E MERCED ST, DES MOINES, IA 50317-4700
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108248
Date	Oct 13, 2021
Book Page	18803/745
Instrument	2021-00108248

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Feb 18, 2020
Property Address	4603 E MERCED ST, DES MOINES, IA 50317-4700
Document Number	0000070328
Book / Page	017703 / 000196
Instrument Date	Feb 11, 2020
Instrument	70328
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$364.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4603 E MERCED ST DES MOINES IA 503174700, DES MOINES, IA 50317-4700

Mortgage

Document Number	70330
Date	Feb 18, 2020
Book Page	017703/000200
Instrument	70330

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 17, 2050

March 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Mar 6, 2017
Property Address	4603 E MERCED ST, DES MOINES, IA 50317-4700
Document Number	201600074121
Book / Page	16395 / 0437
Instrument Date	Mar 3, 2017
Instrument	2016-00074121
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$338.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4603 E MERCED ST, DES MOINES, IA 50317-4700

Mortgage

Document Number	201600074123
Date	Mar 6, 2017
Book Page	16395/0440
Instrument	2016-00074123

Lender

Name	FIDELITY BANK
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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		$295,900 (+6.86%) Land $67,200 Building $228,700	$295,900 (+6.86%) Land $67,200 Building $228,700
2024	$5,456.00 (+372.79%)
2023		$276,900 Land $62,200 Building $214,700	$276,900 Land $62,200 Building $214,700
2020	$1,154.00

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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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