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

Montgomery County property record for 102 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,137 sqft · built 1900
Lot Size	0.116 acres (5,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$7,000 (May 2016)
Tax Bill	$924 (2025)
Deeds & Mortgages	Dec 2019 Refinance Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`600628152002000`

Property Details

APN / Parcel Number

Primary APN	`600628152002000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,137 sqft Living Area
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	104 sqft
Deck Area	104 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	102 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 5 BLK 10
Legal Block	10
Legal Lot Number	5
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	2 Individual Names on Record
Mailing Address	1211 IRENE CT, RED OAK, IA 51566-1211
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOUGHTON STATE BANK
Nov 23, 2021	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN INTERSTATE BANK
May 26, 2016	Quit Claim Deed, Transfer · Line of Credit BANK IOWA
Aug 31, 2007	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2016 · Amount on Record
Deed Sale	May 26, 2016 · Amount on Record
Prior Sale	Aug 31, 2007
Deed Document Number	2016765
Deed Book / Page	2016 / 765
Prior Transfer Date	May 5, 2016
Prior Transfer Doc	02016/0765
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	102 E JOY ST, RED OAK, IA 51566-1812
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1916
Date	Dec 26, 2019
Book Page	2019/1916
Instrument	1916

Lender

Name	HOUGHTON STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	102 E JOY ST, RED OAK, IA 51566-1812
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2071
Date	Nov 23, 2021
Book Page	2021/2071
Instrument	2021 2071

Lender

Name	AMERICAN INTERSTATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	108 Months
Due	Jul 22, 2030

Interest

Rate Type	Fixed Rate

May 2016: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY IA
Recording Date	May 26, 2016
Property Address	102 E JOY ST, RED OAK, IA 51566-1812
Document Number	02016/0765
Book / Page	2016 / 0765
Instrument Date	May 5, 2016
Instrument	2016 0765
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1211 IRENE CT, RED OAK, IA 51566-1211

Mortgage

Document Number	02016/0766
Date	May 26, 2016
Book Page	2016/0766
Instrument	2016 0766

Lender

Name	BANK IOWA
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Aug 31, 2007
Property Address	102 E JOY ST, RED OAK, IA 51566-1812
Document Number	00307/0576
Book / Page	0307 / 0576
Instrument Date	Aug 31, 2007
Instrument	0307 0576
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 E JOY ST, RED OAK, IA 51566-1812

Mortgage

Document Number	0003070578
Date	Aug 31, 2007
Instrument	0307 0578

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Aug 28, 2040

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	$924.00 (+9.22%)	$42,320 (+17.43%) Land $6,620 Building $35,700	$42,320 (+17.43%) Land $6,620 Building $35,700
2024	$846.00 (+25.15%)
2023		$36,040 Land $4,410 Building $31,630	$36,040 Land $4,410 Building $31,630
2022	$676.00

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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