100 E Elm St, Red Oak, IA 51566 Property Records

Montgomery County property record for 100 E Elm St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,508 sqft · built 1956
Lot Size	0.148 acres (6,435 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Dec 2022)
Tax Bill	$2,844 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`600628110001000`

Property Details

APN / Parcel Number

Primary APN	`600628110001000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	350 sqft
Unfinished Basement	752 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,435 sqft (0.148 acres)
Lot Dimensions	143 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	100 E ELM ST
City	RED OAK
State	IA
Zip	51566-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALIX ADD LT 6 BLK 11
Legal Subdivision	ALIX ADD
Legal Block	11
Legal Lot Number	6
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2059
Census Tract	960300

Owner

Source: Montgomery County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	306 E MAPLE ST, RED OAK, IA 51566-1526
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Line of Credit METRO CU FCU
Oct 19, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2022 · Amount on File
Deed Sale	Dec 15, 2022 · Amount on File
Prior Sale	Apr 18, 2014 · Amount on File
Deed Document Number	20221945
Deed Book / Page	2022 / 1945
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	100 E ELM ST, RED OAK, IA 51566-1502
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/1396
Date	Sep 26, 2025
Book Page	2025/1396
Instrument	2025 1396

Lender

Name	METRO CU FCU
Type	Credit Union
Address	OMAHA, NE 68137

Agreement

Type	Line of Credit
Amount	Amount on Record

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY IA
Recording Date	Oct 19, 2020
Property Address	100 E ELM ST, RED OAK, IA 51566-1502
Document Number	02020/1749
Book / Page	2020 / 1749
Instrument Date	Oct 12, 2020
Instrument	2020 1749
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1863 215TH ST, RED OAK, IA 51566-6013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 E ELM ST, RED OAK, IA 51566-1502

Mortgage

Document Number	02020/1751
Date	Oct 19, 2020
Book Page	2020/1751
Instrument	2020 1751

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 2, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Montgomery County
Municipality	Red Oak City
Unified School District	Red Oak Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,844.00 (+33.15%)	$130,280 (+43.07%) Land $7,160 Building $123,120	$130,280 (+43.07%) Land $7,160 Building $123,120
2024	$2,136.00 (+35.19%)
2023		$91,060 Land $4,770 Building $86,290	$91,060 Land $4,770 Building $86,290
2022	$1,580.00

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 May 1, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	7 (1987–2024)
Most Recent Claim	May 2024 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2024 · 2 claims Severe Storms, Tornadoes And Flooding, Jun 1998 · 2 claims

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	Not rated no burnable land within 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	RED OAK WATER SUPPLY serves 5,596 people · EPA ID IA6950075
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: FMTC of Stanton Iowa.

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