4631 E Merced St, Des Moines, IA 50317 Property Records

Polk County property record for 4631 E Merced St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,358 sqft · built 2010
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (May 2015)
Tax Bill	$4,806 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7923-22-153-008`

Property Details

APN / Parcel Number

Primary APN	`7923-22-153-008`
Alternative APN	`060/07934-251-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,358 sqft
Basement Area	1,350 sqft
Finished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Ranch
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	150 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	4631 E MERCED ST
City	DES MOINES
State	IA
Zip	50317-4700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 51 SUMMERSFIELD PLAT 1
Legal Subdivision	SUMMERSFIELD PLAT 1
Legal Lot Number	51
Jurisdiction	POLK IA
Township / Civil Division	DELAWARE
Census Block Group	2
Census Block	2052
Census Tract	10602

Owner

4631 E Merced St is owned and occupied by an individual who acquired it in June 2021.

Source: Polk County records, as of October 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4631 E MERCED ST, DES MOINES, IA 50317-4700
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CLASS CU
Jun 19, 2019	Deed of Trust, Mortgage · Line of Credit FIRST CLASS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2015 · Amount on File
Deed Sale	May 12, 2015 · Amount on File
Prior Sale	May 12, 2015 · Amount on File
Deed Document Number	201500096681
Deed Book / Page	15571 / 0447
Last Transfer Date	Jun 30, 2021
Transfer Doc	202100069230
Record Updated	Jun 8, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK IA
Recording Date	Jun 30, 2021
Property Address	4631 E MERCED ST, DES MOINES, IA 50317-4700
Document Number	202100069230
Book / Page	18619 / 990
Instrument Date	Jun 25, 2021
Instrument	2021-00069230
Transaction Type	Transfer
Record Updated	Jul 9, 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
Relationship	Joint Tenants with Right of Survivorship
Address	4631 E MERCED ST, DES MOINES, IA 50317-4700

Mortgage

Document Number	202100069231
Date	Jun 30, 2021
Instrument	2021-00069231

Lender

Name	FIRST CLASS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4631 E MERCED ST, DES MOINES, IA 50317-4700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000091200
Date	Jun 19, 2019
Book Page	17372/0197
Instrument	2018-00091200

Lender

Name	FIRST CLASS CU
Type	Credit Union
Address	WEST DES MOINES, IA 50265

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jul 1, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$278,700 Land $59,600 Building $219,100	$278,700 Land $59,600 Building $219,100
2024	$4,806.00
2023		$261,600 Land $55,200 Building $206,400	$261,600 Land $55,200 Building $206,400
2020	$4,562.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4631 E Merced 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

Wildfire risk around 4631 E Merced 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 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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