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

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 985 sqft · built 1900
Lot Size	0.116 acres (5,040 sqft)
Owner	Company Name on Record
Last Sale	$56,000 (Nov 2023)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Sale & Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`600628152001000`

Property Details

APN / Parcel Number

Primary APN	`600628152001000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	985 sqft Living Area
Basement Area	985 sqft
Unfinished Basement	985 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	240 sqft
Deck Area	100 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 JOY ST
City	RED OAK
State	IA
Zip	51566-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 6 BLK 10
Legal Subdivision	CITY OF RED OAK
Legal Block	10
Legal Lot Number	6
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2127
Census Tract	960300

Owner

Source: Montgomery County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2068 M AVE, STANTON, IA 51573-4057
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOUGHTON STS BANK
Nov 30, 2023	Warranty Deed, Transfer · Line of Credit HOUGHTON STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2023 · Amount on Record
Deed Sale	Nov 30, 2023 · Amount on Record
Deed Document Number	20231664
Deed Book / Page	2023 / 1664
Last Transfer Date	Jun 17, 2025
Transfer Doc	0000000825
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Recording Date	Apr 17, 2026
Property Address	100 E JOY ST, RED OAK, IA 51566-1812
Document Number	0000000543
Book / Page	2026 / 543
Instrument Date	Mar 12, 2026
Instrument	2026543
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 E JOY ST, RED OAK, IA 51566-1812

Mortgage

Document Number	0000000543,
Date	Apr 17, 2026
Book Page	2026/543
Instrument	2026543

Lender

Name	HOUGHTON STS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	32 Months
Due	Dec 10, 2028

Interest

Rate	6.09%
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Nov 30, 2023
Property Address	100 E JOY ST, RED OAK, IA 51566-1812
Document Number	02023/1664
Book / Page	2023 / 1664
Instrument Date	Nov 29, 2023
Instrument	2023 1664
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	2066 M AVE, STANTON, IA 51573-4057

Mortgage

Document Number	0020231665
Date	Nov 30, 2023
Instrument	2023 1665

Lender

Name	HOUGHTON STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$1,358.00 (+5.93%)	$62,190 (+13.86%) Land $6,620 Building $55,570	$62,190 (+13.86%) Land $6,620 Building $55,570
2024	$1,282.00 (+31.62%)
2023		$54,620 Land $4,410 Building $50,210	$54,620 Land $4,410 Building $50,210
2022	$974.00

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
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 264 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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