1010 E Valley St, Red Oak, IA 51566 Property Records

Montgomery County property record for 1010 E Valley St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,020 sqft · built 1939
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Oct 2025)
Tax Bill	$6,020 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628207004000`

Property Details

APN / Parcel Number

Primary APN	`600628207004000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,020 sqft Living Area
1st Floor Area	910 sqft
Basement Area	910 sqft
Finished Basement	240 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
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	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	126 sqft
Deck Area	126 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1010 E VALLEY ST
City	RED OAK
State	IA
Zip	51566-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANES SD LTS 7 & 8
Legal Subdivision	LANE SUBDIVISION
Legal Lot Number	7,8
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1010 E VALLEY ST, RED OAK, IA 51566-2056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Warranty Deed, Transfer · Conventional Mortgage BANK IOWA
Dec 5, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Dec 5, 2019 · Amount on Record
Deed Document Number	20251550
Deed Book / Page	2025 / 1550
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Oct 27, 2025
Property Address	1010 E VALLEY ST, RED OAK, IA 51566-2056
Document Number	02025/1550
Book / Page	2025 / 1550
Instrument Date	Oct 22, 2025
Instrument	2025 1550
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	MIDWEST AREA TITLE INC, MIDWEST TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 E VALLEY ST, RED OAK, IA 51566-2056

Mortgage

Document Number	0020251551
Date	Oct 27, 2025
Instrument	2025 1551

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Dec 5, 2019
Property Address	1010 E VALLEY ST, RED OAK, IA 51566-2056
Document Number	02019/1794
Book / Page	2019 / 1794
Instrument Date	Nov 22, 2019
Instrument	1794
Transaction Type	Transfer
Record Updated	Aug 9, 2022

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	1010 E VALLEY ST, RED OAK, IA 51566-2056

Mortgage

Document Number	02019/1795
Date	Dec 5, 2019
Book Page	2019/1795
Instrument	1795

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

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	$6,020.00 (+22.76%)	$275,640 (+31.89%) Land $18,000 Building $257,640	$275,640 (+31.89%) Land $18,000 Building $257,640
2024	$4,904.00 (+29.94%)
2023		$209,000 Land $13,500 Building $195,500	$209,000 Land $13,500 Building $195,500
2022	$3,774.00

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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