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1022 E Valley St, Red Oak, IA 51566 Property Records

Montgomery County property record for 1022 E Valley St, Red Oak, IA 51566

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,919 sqft · built 1890
Lot Size0.303 acres (13,200 sqft)
OwnerIndividual Name on Record
Last Sale$330,000 (Sep 2024)
Tax Bill$6,950 (2025)
Deeds & MortgagesNov 2022 Mortgage
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN600628207006000

Property Details

APN / Parcel Number

Primary APN600628207006000

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths3 Half Baths
Total Rooms11 Rooms
Stories2 Stories
Building Area2,919 sqft Living Area
1st Floor Area960 sqft
AtticAttic
Attic Area540 sqft
Basement Area799 sqft
Finished Basement180 sqft
Unfinished Basement619 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area13,200 sqft (0.303 acres)
Lot Dimensions120 ft deep x 110 ft wide
Garage TypeDetached
Garage Area624 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area270 sqft
Deck Area458 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
Water SourceCommercial

Location & Zoning

Street Address1022 E VALLEY ST
CityRED OAK
StateIA
Zip51566-2056
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLANES SD LTS 1, 2 & E 20' LT 3
Legal SubdivisionLANES SD
Legal Lot Number1-3
JurisdictionMONTGOMERY IA
Township / Civil DivisionRED OAK
Census Block Group2
Census Block2021
Census Tract960200

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 RecordIndividual Name on Record
Mailing Address1022 E VALLEY ST, RED OAK, IA 51566-2056
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried

Deeds, Mortgages & Sale History

DateDocument
Nov 23, 2022Deed of Trust, Mortgage
HUD
Jul 6, 2020Deed of Trust, Mortgage · VA Mortgage
QUICKEN LOANS INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 5, 2024 · Amount on Record
Deed SaleSep 5, 2024 · Amount on Record
Deed Document Number20241192
Deed Book / Page2024 / 1192
Record UpdatedOct 29, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY IA
Property Address1022 E VALLEY ST, RED OAK, IA 51566-2056
Transaction TypeMortgage
Record UpdatedJan 4, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02022/1813
DateNov 23, 2022
Book Page2022/1813
Instrument2022 1813
Lender
NameHUD
TypeGovernment Agency
Agreement
AmountAmount Recorded
Term348 Months
DueJul 1, 2051
Interest
Rate TypeFixed Rate

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY IA
Property Address1022 E VALLEY ST, RED OAK, IA 51566-2056
Transaction TypeMortgage
Record UpdatedJan 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02020/1151
DateJul 6, 2020
Book Page2020/1151
Instrument2020 1151
Lender
NameQUICKEN LOANS INC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term300 Months
DueJul 1, 2045
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 2, 2025

Property Jurisdictions

TypeName
StateIowa
CountyMontgomery County
MunicipalityRed Oak City
Unified School DistrictRed Oak Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,950.00 (+0.84%)$318,250 (+8.34%) Land $22,000 Building $296,250$318,250 (+8.34%) Land $22,000 Building $296,250
2024$6,892.00 (+46.89%)
2023$293,740 Land $15,680 Building $278,060$293,740 Land $15,680 Building $278,060
2022$4,692.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2014)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 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 RiskLow
lower than 93% of the US · above 40% of Iowa
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemRED OAK WATER SUPPLY
serves 5,596 people · EPA ID IA6950075
Water SourceGroundwater
Last State InspectionDec 2024
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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

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

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