1020 E Valley St, Red Oak, IA 51566 Property Records

Montgomery County property record for 1020 E Valley St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,460 sqft · built 1920
Lot Size	0.441 acres (19,200 sqft)
Owner	2 Trust Names on File
Last Sale	$155,000 (May 2018)
Tax Bill	$6,092 (2025)
Deeds & Mortgages	May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`600628207005000`

Property Details

APN / Parcel Number

Primary APN	`600628207005000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,460 sqft Living Area
1st Floor Area	827 sqft
Basement Area	871 sqft
Unfinished Basement	871 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Tile
Lot Area	19,200 sqft (0.441 acres)
Lot Dimensions	120 ft deep x 160 ft wide
Garage Type	Mixed
Garage Area	1,200 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	32 sqft
Deck Area	360 sqft
Patio Area	501 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1020 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 4,5 & 6 & W 25' LT 3
Legal Subdivision	LANES SD
Legal Lot Number	3-6
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2021
Census Tract	960200

Owner

1020 E Valley St is owner-occupied and held in a trust since April 2024.

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	2 Trust Names on File
Mailing Address	1020 E VALLEY ST, RED OAK, IA 51566-2056
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on File
Deed Sale	May 16, 2018 · Amount on File
Deed Document Number	2018743
Deed Book / Page	2018 / 743
Last Transfer Date	Apr 5, 2024
Transfer Doc	002024/468
Record Updated	Oct 29, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	May 16, 2018
Property Address	1020 E VALLEY ST, RED OAK, IA 51566-2056
Document Number	2018/743
Book / Page	2018 / 743
Instrument Date	May 8, 2018
Instrument	2018-743
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount 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	1020 E VALLEY ST, RED OAK, IA 51566-2056

Tax Assessment & Valuation

The 2025 property tax bill for 1020 E Valley St was $6,092 with a homeowner's exemption, down 18.7% from the year before.

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	$6,092.00 (-18.73%) Homeowner's exemption	$304,500 Land $32,000 Building $272,500	$304,500 Land $32,000 Building $272,500
2024	$7,496.00
2023		$343,340 Land $19,200 Building $324,140	$343,340 Land $19,200 Building $324,140
2022	$5,852.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1020 E Valley St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.

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

Wildfire risk around 1020 E Valley St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
FMTC of Stanton Iowa Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50