620 48th St, Des Moines, IA 50312 Property Records

Polk County property record for 620 48th St, Des Moines, IA 50312

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,044 sqft · built 1908
Lot Size	0.202 acres (8,778 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Jul 2025)
Tax Bill	$5,700 (2024)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jun 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`090/05925-000-000`

Property Details

APN / Parcel Number

Primary APN	`090/05925-000-000`
Alternative APN	`782501451012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,044 sqft Living Area
Gross Area	3,481 sqft
1st Floor Area	1,030 sqft
Upper Floors Area	1,014 sqft
Basement Area	1,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,778 sqft (0.202 acres)
Lot Dimensions	133 ft deep x 66 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	188 sqft
Deck 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	620 48TH ST
City	DES MOINES
State	IA
Zip	50312-1932
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 123 POLK PLACE
Legal Subdivision	POLK PLACE
Legal Lot Number	123
Jurisdiction	POLK IA
Township / Civil Division	DES MOINES
Census Block Group	2
Census Block	2001
Census Tract	3002

Owner

620 48th St is owned and occupied by two individuals who bought it in July 2025.

Source: Polk County records, as of October 13, 2025

Owner of Record	2 Individual Names on File
Mailing Address	620 48TH ST, DES MOINES, IA 50312-1932
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 23, 2025	Warranty Deed, Transfer · Conventional Mortgage COLLINS COMMUNITY CU
Jun 16, 2023	Warranty Deed, Transfer · Line of Credit RACCOON VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2025 · Amount on File
Deed Sale	Jul 23, 2025 · Amount on File
Prior Sale	May 8, 2024 · Amount on File
Deed Document Number	202542719
Deed Book / Page	20213 / 109
Prior Transfer Date	Jan 30, 2025
Prior Transfer Doc	0000005222
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jul 23, 2025
Property Address	620 48TH ST, DES MOINES, IA 50312-1932
Document Number	0000042719
Book / Page	20213 / 109
Instrument Date	Jul 16, 2025
Instrument	2025-00042719
Transaction Type	Transfer
Record Updated	Oct 16, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$815.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	620 48TH ST, DES MOINES, IA 50312-1932

Mortgage

Document Number	0000042720
Date	Jul 23, 2025
Instrument	2025-00042720

Lender

Name	COLLINS COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.85%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2030
Change Frequency	5 Years
Min Rate At Change	5.85%
Max Rate At Change	7.85%
Index	1-Year CMT
Margin	3
Max Rate	11.8%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Jun 16, 2023
Property Address	620 48TH ST, DES MOINES, IA 50312-1932
Document Number	0000030980
Book / Page	19510 / 676
Instrument Date	Jun 14, 2023
Instrument	2023-00030980
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$559.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 48TH ST, DES MOINES, IA 50312-1932

Mortgage

Document Number	0000030982
Date	Jun 16, 2023
Instrument	2023-00030982

Lender

Name	RACCOON VALLEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

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	Des Moines Independent Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$463,400 Land $82,900 Building $380,500	$463,400 Land $82,900 Building $380,500
2024	$5,700.00
2023		$289,700 (+22.49%) Land $75,500 Building $214,200	$289,700 Land $75,500 Building $214,200
2022		$236,500 Land $64,100 Building $172,400
2021			$236,500 Land $64,100 Building $172,400
2020	$5,214.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 620 48th St 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 620 48th 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 99.8% of the US · lower than 98.1% 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 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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