5407 SE 28th Ct, Des Moines, IA 50320 Property Records

Polk County property record for 5407 SE 28th Ct, Des Moines, IA 50320

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,614 sqft · built 2002
Lot Size	0.204 acres (8,927 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Feb 2025)
Tax Bill	$5,638 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7824-25-277-009`

Property Details

APN / Parcel Number

Primary APN	`7824-25-277-009`
Alternative APN	`120/01301-021-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,614 sqft Living Area
Gross Area	3,048 sqft
1st Floor Area	722 sqft
Upper Floors Area	892 sqft
Basement Area	714 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Architectural Style	Conventional
Exterior Material	Vinyl
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	8,927 sqft (0.204 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	168 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Street Address	5407 SE 28TH CT
City	DES MOINES
State	IA
Zip	50320-2038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 21 EASTER LAKE ESTATES PLAT 6
Legal Subdivision	EASTER LAKE ESTATES
Legal Lot Number	21
Jurisdiction	POLK IA
Township / Civil Division	BLOOMFIELD
Census Block Group	2
Census Block	2037
Census Tract	10805

Owner

5407 SE 28th Ct is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5407 SE 28TH CT, DES MOINES, IA 50320-2038
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
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 3, 2020	Warranty Deed, Transfer · Conventional Mortgage LINCOLN SAVINGS BANK
May 17, 2019	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2025 · Amount on File
Deed Sale	Feb 19, 2025 · Amount on File
Prior Sale	Mar 3, 2020 · Amount on File
Deed Document Number	2025-00008474
Deed Book / Page	20051 / 569
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	5407 SE 28TH CT, DES MOINES, IA 50320-2038
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001586
Date	Jan 6, 2022
Book Page	18940/308
Instrument	2022-00001586

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Mar 3, 2020
Property Address	5407 SE 28TH CT, DES MOINES, IA 50320-2038
Document Number	201900074200
Book / Page	17720 / 830
Instrument Date	Feb 25, 2020
Instrument	2019-00074200
Transaction Type	Transfer
Record Updated	Oct 19, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$355.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5407 SE 28TH CT, DES MOINES, IA 50320-2038

Mortgage

Document Number	201900074202
Date	Mar 3, 2020
Instrument	2019-00074202

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	5407 SE 28TH CT, DES MOINES, IA 50320-2038
Document Number	0000084558
Instrument Date	May 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5407 SE 28TH CT DES MOINES IA 503202038, DES MOINES, IA 50320-2038

Mortgage

Document Number	0000084558
Date	May 29, 2019
Book Page	017343/000166
Instrument	84558

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 28, 2044

Interest

Rate Type	Adjustable Rate

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	Des Moines Independent Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$303,300 Land $62,000 Building $241,300	$303,300 Land $62,000 Building $241,300
2024	$5,638.00
2023		$280,800 Land $56,300 Building $224,500	$280,800 Land $56,300 Building $224,500
2020	$5,208.00

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

Flood

FEMA maps place 5407 SE 28th Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5407 SE 28th Ct is low, with a 0.02% 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	0.02% 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 161 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	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Google Fiber, Nextlink, T-Mobile.

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