654 SE 28th St, Des Moines, IA 50317 Property Records

Polk County property record for 654 SE 28th St, Des Moines, IA 50317

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1962
Lot Size	0.484 acres (21,075 sqft)
Owner	2 Individual Names on File
Last Sale	$110,500 (Feb 2022)
Tax Bill	$1,742 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Feb 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`050/02893-003-000`

Property Details

APN / Parcel Number

Primary APN	`050/02893-003-000`
Alternative APN	`782412203047`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,075 sqft (0.484 acres)
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	84 sqft
Deck Area	227 sqft
Canopy	32 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	654 SE 28TH ST
City	DES MOINES
State	IA
Zip	50317-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VAC ALLEY LYG W & ADJ & LTS 13 THRU 17 BLK 18 LARISON PLACE
Legal Subdivision	LARISON PLACE
Legal Block	18
Legal Lot Number	13-17
Jurisdiction	POLK IA
Township / Civil Division	LEE
Census Block Group	1
Census Block	1007
Census Tract	5300

Owner

654 SE 28th St is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
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
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Feb 22, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREENSTATE CU
Apr 27, 2023	Correction Deed
Apr 27, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit LAB INVESTMENT COMPANY INC
Feb 13, 2020	Special Warranty Deed, Transfer · Line of Credit LAB INVESTMENT COMPANY INC
May 24, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2022 · Amount on File
Deed Sale	Feb 22, 2022 · Amount on File
Prior Sale	Feb 13, 2020 · Amount on File
Deed Document Number	202214068
Deed Book / Page	18995 / 40
Prior Transfer Date	Feb 9, 2022
Prior Transfer Doc	0000014068
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014070
Date	Feb 22, 2022
Book Page	18995/45
Instrument	2022-00014070

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Mar 5, 2029
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014071
Date	Feb 22, 2022
Book Page	18995/59
Instrument	2022-00014071

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Mar 5, 2032

April 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	POLK IA
Recording Date	Apr 27, 2023
Property Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
Document Number	0000019863
Book / Page	19456 / 839
Instrument Date	Apr 24, 2023
Instrument	2023-00019863
Record Updated	May 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 SE 28TH ST, DES MOINES, IA 50317-1309

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK IA
Recording Date	Apr 27, 2023
Property Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
Document Number	0000019864
Book / Page	19456 / 841
Instrument Date	Apr 24, 2023
Instrument	2023-00019864
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
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	654 SE 28TH ST, DES MOINES, IA 50317-1309

Mortgage

Document Number	0000019866
Date	Apr 27, 2023
Instrument	2023-00019866

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK IA
Property Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070216
Date	Dec 21, 2020
Book Page	18262/157
Instrument	2020-00070216

Lender

Name	LAB INVESTMENT COMPANY INC
Type	Non-Lending Institution
Address	WEST DES MOINES, IA 50265

Agreement

Type	Line of Credit
Amount	Amount on Record

February 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK IA
Recording Date	Feb 13, 2020
Property Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
Document Number	201900069253
Book / Page	17698 / 0499
Instrument Date	Jan 15, 2020
Instrument	2019-00069253
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352ND PLACE, EARLHAM, IA 50072

Mortgage

Document Number	201900069305
Date	Feb 13, 2020
Instrument	2019-00069305

Lender

Name	LAB INVESTMENT COMPANY INC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	POLK IA
Recording Date	May 24, 2019
Property Address	654 SE 28TH ST, DES MOINES, IA 50317-1309
Document Number	0000083652
Book / Page	017338 / 000973
Instrument Date	May 14, 2019
Instrument	83652
Transaction Type	Foreclosure
Record Updated	Jun 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$106.24
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	13801 WIRELESS WAY OKLAHOMA CITY OK 731342500, OKLAHOMA CITY, OK 73134-2500

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		$189,100 Land $14,400 Building $174,700	$189,100 Land $14,400 Building $174,700
2024	$1,742.00
2023		$130,700 Land $12,500 Building $118,200	$130,700 Land $12,500 Building $118,200
2020	$2,570.00

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

Flood

FEMA maps place 654 SE 28th St in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	3 in force

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 654 SE 28th 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 98% of the US · lower than 82% 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 259 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon.

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