1005 E Joy St, Red Oak, IA 51566 Property Records

Montgomery County property record for 1005 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,192 sqft · built 1922
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$146,000 (Jul 2017)
Tax Bill	$5,900 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`600628207009000`

Property Details

APN / Parcel Number

Primary APN	`600628207009000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,192 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,080 sqft
Finished Basement	845 sqft
Unfinished Basement	490 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	240 sqft
Patio Area	632 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1005 E JOY ST
City	RED OAK
State	IA
Zip	51566-2034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANES SD LTS 15 & 16
Legal Subdivision	LANES SD
Legal Lot Number	15,16
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2021
Census Tract	960200

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	2 Individual Names on Record
Mailing Address	1005 E JOY ST, RED OAK, IA 51566-2034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BENNINGTON
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage PINNACLE BANK
Jul 3, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF BENNINGTON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2017 · Amount on Record
Deed Sale	Jul 3, 2017 · Amount on Record
Deed Document Number	20171011
Deed Book / Page	2017 / 1011
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	1005 E JOY ST, RED OAK, IA 51566-2034
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1012
Date	Jul 3, 2017
Book Page	2017/1012
Instrument	2017 1012

Lender

Name	BANK OF BENNINGTON
Type	Bank
Address	BENNINGTON, NE 68007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Jul 1, 2046

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	1005 E JOY ST, RED OAK, IA 51566-2034
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1546
Date	Sep 9, 2020
Book Page	2020/1546
Instrument	2020 1546

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jul 3, 2017
Property Address	1005 E JOY ST, RED OAK, IA 51566-2034
Document Number	02017/1011
Book / Page	2017 / 1011
Instrument Date	Jun 28, 2017
Instrument	2017 1011
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 E JOY ST, RED OAK, IA 51566-2034

Mortgage

Document Number	02017/1013
Date	Jul 3, 2017
Book Page	2017/1013
Instrument	2017 1013

Lender

Name	BANK OF BENNINGTON
Type	Bank
Address	BENNINGTON, NE 68007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 1, 2022

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	$5,900.00 (+32.94%) Homeowner's exemption	$295,690 (+38.76%) Land $17,100 Building $278,590	$295,690 (+38.76%) Land $17,100 Building $278,590
2024	$4,438.00 (+22.8%)
2023		$213,100 Land $13,500 Building $199,600	$213,100 Land $13,500 Building $199,600
2022	$3,614.00

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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · other causes

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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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