1018 E Joy St, Red Oak, IA 51566 Property Records

Montgomery County property record for 1018 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,456 sqft · built 1900
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Oct 2019)
Tax Bill	$2,406 (2025)
Deeds & Mortgages	Jun 2026 Sale Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`600628253005000`

Property Details

APN / Parcel Number

Primary APN	`600628253005000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	744 sqft
Basement Area	744 sqft
Finished Basement	640 sqft
Unfinished Basement	108 sqft
Game Room	Game Room
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Carport
Garage Area	256 sqft
Carport	Carport
Carport Area	256 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	142 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	1018 E JOY ST
City	RED OAK
State	IA
Zip	51566-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANES SD LTS 27 & 28
Legal Subdivision	LANES SD
Legal Lot Number	27,28
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2029
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	Individual Name on Record
Mailing Address	1018 E JOY ST, RED OAK, IA 51566-2035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Fiduciary Deed, Transfer NONE LISTED ON DOCUMENT
Aug 31, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT
Oct 14, 2019	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2019 · Amount on Record
Deed Sale	Oct 14, 2019 · Amount on Record
Deed Document Number	20191481
Deed Book / Page	2019 / 1481
Record Updated	Oct 29, 2026

June 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jun 17, 2026
Property Address	1018 E JOY ST, RED OAK, IA 51566-2035
Document Number	0000000823
Book / Page	2026 / 823
Instrument Date	Jun 10, 2026
Instrument	2026823
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

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	1018 E JOY ST, RED OAK, IA 51566-2035

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	1018 E JOY ST, RED OAK, IA 51566-2035
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1498
Date	Aug 31, 2020
Book Page	2020/1498
Instrument	2020 1498

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Oct 14, 2019
Property Address	1018 E JOY ST, RED OAK, IA 51566-2035
Document Number	2019/1481
Book / Page	2019 / 1481
Instrument Date	Oct 10, 2019
Instrument	1481
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
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	1018 E JOY ST, RED OAK, IA 51566-2035

Mortgage

Document Number	02019/1482
Date	Oct 14, 2019
Book Page	2019/1482
Instrument	1482

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	$2,406.00 (-8.93%)	$110,180 (-2.18%) Land $17,100 Building $93,080	$110,180 (-2.18%) Land $17,100 Building $93,080
2024	$2,642.00 (+25.57%)
2023		$112,630 Land $13,500 Building $99,130	$112,630 Land $13,500 Building $99,130
2022	$2,104.00

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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