Polk County property record for 4685 E 46th St, Des Moines, IA 50317
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,312 sqft · built 1908 |
| Lot Size | 0.63 acres (27,442 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $265,000 (Mar 2026) |
| Tax Bill | $3,536 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 060/08923-511-000 |
| Primary APN | 060/08923-511-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,312 sqft Living Area |
| Gross Area | 2,304 sqft |
| 1st Floor Area | 688 sqft |
| Upper Floors Area | 624 sqft |
| Basement Area | 624 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,442 sqft (0.63 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 368 sqft |
| Shed | 1 Shed |
| Shed Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Water Source | Commercial |
| Street Address | 4685 E 46TH ST |
|---|---|
| City | DES MOINES |
| State | IA |
| Zip | 50317-4722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | -EX W 33F RD EAS- BEG NW COR THN S 139.2F E 194F N 74F E 75F N 65F W 269F TO POB S 1/2 SW 1/4 SW 1/4 SEC 15-79-23 |
| Legal Range | 23W |
| Legal Township | 79N |
| Legal Section | 15 |
| Legal Subdivision | SEC 15-79-23 |
| Jurisdiction | POLK IA |
| Township / Civil Division | DELAWARE |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 10602 |
Source: Polk County records, as of March 11, 2026
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 |
|---|---|
| Mailing Address | 4685 E 46TH ST, DES MOINES, IA 50317-4722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 3, 2026 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2026 · Amount on Record |
| Deed Sale | Mar 3, 2026 · Amount on Record |
| Deed Document Number | 202611397 |
| Deed Book / Page | 20436 / 435 |
| Prior Transfer Date | Mar 26, 2025 |
| Prior Transfer Doc | 0000016030 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK IA |
| Property Address | 4685 E 46TH ST, DES MOINES, IA 50317-4722 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 8586 HIGHWAY 28, PROLE, IA 50229-9161 |
| Document Number | 0000011401 |
|---|---|
| Date | Mar 3, 2026 |
| Book Page | 20436/451 |
| Instrument | 2026-00011401 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK IA |
| Recording Date | Mar 3, 2026 |
| Property Address | 4685 E 46TH ST, DES MOINES, IA 50317-4722 |
| Document Number | 0000011397 |
| Book / Page | 20436 / 435 |
| Instrument Date | Feb 25, 2026 |
| Instrument | 2026-00011397 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $423.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4685 E 46TH ST, DES MOINES, IA 50317-4722 |
| Document Number | 0000011401 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 2026-00011401 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2056 |
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 | $213,100 (+9.85%) Land $34,400 Building $178,700 | $213,100 (+9.85%) Land $34,400 Building $178,700 | |
| 2024 | $3,536.00 (-2.37%) | ||
| 2023 | $194,000 Land $30,900 Building $163,100 | $194,000 Land $30,900 Building $163,100 | |
| 2020 | $3,622.00 |
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 98% of the US · lower than 82% 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 66 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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