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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1905
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Jun 2020)
Tax Bill	$912 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`600628114002000`

Property Details

APN / Parcel Number

Primary APN	`600628114002000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	98 sqft
Patio Area	1,051 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	102 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD BISHOPS SD W 3/4 OL6 LT 5 BLK 5
Legal Subdivision	NE ADD BISHOPS SD
Legal Block	5
Legal Lot Number	5
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2088
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	Individual Name on Record
Mailing Address	102 E PROSPECT ST, RED OAK, IA 51566-1530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTHWEST IOWA HSNG TRUST FUND
Jun 2, 2020	Warranty Deed, Transfer · Conventional Mortgage ARK LA TEX FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2020 · Amount on Record
Deed Sale	Jun 2, 2020 · Amount on Record
Prior Sale	Dec 2, 2013 · Amount on Record
Deed Document Number	2020917
Deed Book / Page	2020 / 917
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	102 E PROSPECT ST, RED OAK, IA 51566-1530
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/919
Date	Jun 2, 2020
Book Page	2020/919
Instrument	2020 0919

Lender

Name	SOUTHWEST IOWA HSNG TRUST FUND
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jun 2, 2020
Property Address	102 E PROSPECT ST, RED OAK, IA 51566-1530
Document Number	002020/917
Book / Page	2020 / 917
Instrument Date	May 20, 2020
Instrument	2020 0917
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 E PROSPECT ST, RED OAK, IA 51566-1530

Mortgage

Document Number	002020/918
Date	Jun 2, 2020
Book Page	2020/918
Instrument	2020 0918

Lender

Name	ARK LA TEX FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

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	$912.00 (-12.98%) Homeowner's exemption	$52,690 (-4.04%) Land $6,620 Building $46,070	$52,690 (-4.04%) Land $6,620 Building $46,070
2024	$1,048.00 (+37.53%)
2023		$54,910 Land $4,410 Building $50,500	$54,910 Land $4,410 Building $50,500
2022	$762.00

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 500 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 365 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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