4720 E Merced St, Des Moines, IA 50317 Property Records

Polk County property record for 4720 E Merced St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,682 sqft · built 2007
Lot Size	0.259 acres (11,279 sqft)
Owner	2 Individual Names on File
Last Sale	$219,000 (Apr 2018)
Tax Bill	$5,102 (2024)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`060/07934-231-000`

Property Details

APN / Parcel Number

Primary APN	`060/07934-231-000`
Alternative APN	`792322152014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,682 sqft Living Area
Gross Area	2,926 sqft
1st Floor Area	812 sqft
Upper Floors Area	870 sqft
Basement Area	782 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,279 sqft (0.259 acres)
Lot Width	55 ft Width
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	114 sqft
Deck Area	144 sqft
Patio Area	120 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	4720 E MERCED ST
City	DES MOINES
State	IA
Zip	50317-4723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 SUMMERSFIELD PLAT 1
Legal Subdivision	SUMMERSFIELD PLAT 1
Legal Lot Number	31
Jurisdiction	POLK IA
Township / Civil Division	DELAWARE
Census Block Group	2
Census Block	2051
Census Tract	10602

Owner

4720 E Merced St is owned and occupied by two individuals who acquired it in May 2019.

Source: Polk County records, as of March 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4720 E MERCED ST, DES MOINES, IA 50317-4723
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
Mar 9, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Apr 1, 2020	Quit Claim Deed, Transfer VERIDIAN CU
May 16, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Apr 26, 2018	Warranty Deed, Transfer · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2018 · Amount on File
Deed Sale	Apr 26, 2018 · Amount on File
Prior Sale	Jan 29, 2009 · Amount on File
Deed Document Number	20182017-00082273
Deed Book / Page	16897 / 611
Last Transfer Date	May 10, 2019
Transfer Doc	0000081447
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	4720 E MERCED ST, DES MOINES, IA 50317-4723
Transaction Type	Mortgage
Record Updated	Mar 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4720 E MERCED ST, DES MOINES, IA 50317-4723

Mortgage

Document Number	0000012408
Date	Mar 9, 2026
Book Page	20441/141
Instrument	2026-00012408

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	910 CAMPISI WAY STE 2D, CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK IA
Recording Date	Apr 1, 2020
Property Address	4720 E MERCED ST, DES MOINES, IA 50317-4723
Document Number	0000082458
Book / Page	017759 / 000624
Instrument Date	Mar 26, 2020
Instrument	82458
Transaction Type	Transfer
Record Updated	May 5, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4720 E MERCED ST DES MOINES IA 503174723, DES MOINES, IA 50317-4723

Mortgage

Document Number	82459
Date	Apr 1, 2020
Book Page	017759/000625
Instrument	82459

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	DES MOINES, IA 50317

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2050

May 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK IA
Recording Date	May 16, 2019
Property Address	4720 E MERCED ST, DES MOINES, IA 50317-4723
Document Number	201800081447
Book / Page	17329 / 0588
Instrument Date	May 10, 2019
Instrument	2018-00081447
Transaction Type	Transfer
Record Updated	Oct 19, 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	4720 E MERCED ST, DES MOINES, IA 50317-4723

Mortgage

Document Number	201800081448
Date	May 16, 2019
Instrument	2018-00081448

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Apr 26, 2018
Property Address	4720 E MERCED ST, DES MOINES, IA 50317-4723
Document Number	0000082273
Book / Page	016897 / 000611
Instrument Date	Apr 24, 2018
Instrument	82273
Transaction Type	Transfer
Record Updated	May 22, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.40
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	4720 E MERCED ST DES MOINES IA 503174723, DES MOINES, IA 50317-4723

Mortgage

Document Number	82275
Date	Apr 26, 2018
Book Page	016897/000615
Instrument	82275

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2048

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		$282,700 Land $73,300 Building $209,400	$282,700 Land $73,300 Building $209,400
2024	$5,102.00
2023		$265,200 Land $67,900 Building $197,300	$265,200 Land $67,900 Building $197,300
2020	$5,080.00

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

Flood

FEMA maps place 4720 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 4720 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 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.

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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