4705 E Merced St, Des Moines, IA 50317 Property Records

Polk County property record for 4705 E Merced St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,468 sqft · built 2015
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Sep 2026)
Tax Bill	$5,638 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Apr 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`060/07934-255-000`

Property Details

APN / Parcel Number

Primary APN	`060/07934-255-000`
Alternative APN	`792322153012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,468 sqft Living Area
Gross Area	2,635 sqft
1st Floor Area	727 sqft
Upper Floors Area	741 sqft
Basement Area	727 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	54 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected
Water Source	Commercial

Location & Zoning

Street Address	4705 E MERCED ST
City	DES MOINES
State	IA
Zip	50317-4723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 55 SUMMERSFIELD PLAT 1
Legal Subdivision	SUMMERSFIELD PLAT 1
Legal Lot Number	55
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 14, 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	4705 E MERCED ST, DES MOINES, IA 50317-4723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Warranty Deed, Transfer · VA Mortgage GERSHMAN INVESTMENT CORP
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage COLLINS COMMUNITY CU
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	Jun 23, 2021 · Amount on Record
Deed Document Number	202657240
Deed Book / Page	20659 / 148
Prior Transfer Date	Oct 20, 2021
Prior Transfer Doc	0000112929
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Sep 15, 2026
Property Address	4705 E MERCED ST, DES MOINES, IA 50317-4723
Document Number	0000057240
Book / Page	20659 / 148
Instrument Date	Aug 27, 2026
Instrument	202657240
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$51,631.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 E MERCED ST, DES MOINES, IA 50317-4723

Mortgage

Document Number	0000057241,
Date	Sep 15, 2026
Instrument	202657241

Lender

Name	GERSHMAN INVESTMENT CORP

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4705 E MERCED ST, DES MOINES, IA 50317-4723
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900083807
Date	Apr 6, 2020
Book Page	17766/77
Instrument	2019-00083807

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4705 E MERCED ST, DES MOINES, IA 50317-4723
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201900107578
Date	Jun 12, 2020
Book Page	17885/969
Instrument	2019-00107578

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4705 E MERCED ST, DES MOINES, IA 50317-4723
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064402
Date	Dec 7, 2020
Book Page	18234/626
Instrument	2020-00064402

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK IA
Recording Date	Oct 26, 2021
Property Address	4705 E MERCED ST, DES MOINES, IA 50317-4723
Document Number	0000112929
Book / Page	18826 / 93
Instrument Date	Oct 20, 2021
Instrument	2021-00112929
Transaction Type	Transfer
Record Updated	Mar 18, 2022

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	4705 E MERCED ST, DES MOINES, IA 50317-4723

Mortgage

Document Number	0000112930
Date	Oct 26, 2021
Instrument	2021-00112930

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 23, 2021
Property Address	4705 E MERCED ST, DES MOINES, IA 50317-4723
Document Number	0000065978
Book / Page	18604 / 515
Instrument Date	Jun 10, 2021
Instrument	2021-00065978
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4705 E MERCED ST, DES MOINES, IA 50317-4723

Mortgage

Document Number	0000065980
Date	Jun 23, 2021
Instrument	2021-00065980

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

Source: Polk County assessment roll, as of October 13, 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	$5,638.00 (+2.14%)	$293,700 (+6.57%) Land $59,600 Building $234,100	$293,700 (+6.57%) Land $59,600 Building $234,100
2024	$5,520.00 (+419.77%)
2023		$275,600 Land $55,200 Building $220,400	$275,600 Land $55,200 Building $220,400
2020	$1,062.00

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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