1002 E Reed St, Red Oak, IA 51566 Property Records

Montgomery County property record for 1002 E Reed St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,116 sqft · built 1900
Lot Size	0.131 acres (5,715 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,500 (Jun 2019)
Tax Bill	$4,866 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Feb 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`600628261002000`

Property Details

APN / Parcel Number

Primary APN	`600628261002000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,116 sqft Living Area
1st Floor Area	746 sqft
Basement Area	1,370 sqft
Finished Basement	500 sqft
Unfinished Basement	870 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,715 sqft (0.131 acres)
Lot Dimensions	127 ft deep x 45 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1002 E REED ST
City	RED OAK
State	IA
Zip	51566-2528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GUNNS SD LT 5 EX N 20' FOR STREET
Legal Subdivision	GUNNS SUBDIVISION
Legal Lot Number	5
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	3
Census Block	3004
Census Tract	960200

Owner

Source: Montgomery County records, as of September 9, 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	2 Individual Names on Record
Mailing Address	1002 E REED ST, RED OAK, IA 51566-2528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK
Feb 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOUGHTON STATE BANK
Jun 19, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CHARTER WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2019 · Amount on Record
Deed Sale	Jun 19, 2019 · Amount on Record
Prior Sale	Sep 1, 2009
Deed Document Number	2019883
Deed Book / Page	2019 / 883
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	1002 E REED ST, RED OAK, IA 51566-2528
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1946
Date	Nov 4, 2021
Book Page	2021/1946
Instrument	2021 1946

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	1002 E REED ST, RED OAK, IA 51566-2528
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/171
Date	Feb 13, 2019
Book Page	2019/171
Instrument	171

Lender

Name	HOUGHTON STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Mar 1, 2020

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jun 19, 2019
Property Address	1002 E REED ST, RED OAK, IA 51566-2528
Document Number	2019/883
Book / Page	2019 / 883
Instrument Date	Jun 17, 2019
Instrument	883
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 E REED ST, RED OAK, IA 51566-2528

Mortgage

Document Number	002019/884
Date	Jun 19, 2019
Book Page	2019/884
Instrument	884

Lender

Name	CHARTER WEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$4,866.00 (+0.83%)	$222,860 (+8.37%) Land $9,180 Building $213,680	$222,860 (+8.37%) Land $9,180 Building $213,680
2024	$4,826.00 (+22.86%)
2023		$205,640 Land $6,890 Building $198,750	$205,640 Land $6,890 Building $198,750
2022	$3,928.00

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1987–2008)
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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	Low lower than 65% of the US · above 62% of Iowa
Wildfire Likelihood	0.05% 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	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 609 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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