Montgomery County property record for 104 E Cherry St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,484 sqft · built 1950 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Oct 2019) |
| Tax Bill | $2,166 (2024) |
| Deeds & Mortgages | Sep 2025 Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600621352002000 |
| Primary APN | 600621352002000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,484 sqft Living Area |
| Interior Walls | Paneling |
| Year Built | Built 1950 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 125 ft deep x 90 ft wide |
| Garage Type | Mixed |
| Garage Area | 768 sqft |
| Carport | Carport |
| Carport Area | 360 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 208 sqft |
| Deck Area | 221 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 104 E CHERRY ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PACT PARK ADD LTS 3 & 4 BLK 3 |
| Legal Block | 3 |
| Legal Lot Number | 3,4 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 960300 |
Source: Montgomery County records · APN 600621352002000
Assessment roll updated May 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 E CHERRY ST, RED OAK, IA 51566-1000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2025 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 14, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 14, 2019 · Amount on Record |
| Deed Sale | Oct 14, 2019 · Amount on Record |
| Deed Document Number | 1483 |
| Deed Book / Page | 2019 / 1483 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 104 E CHERRY ST, RED OAK, IA 51566-1000 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 104 E CHERRY ST, RED OAK, IA 51566-1000 |
| Document Number | 02025/1346 |
|---|---|
| Date | Sep 22, 2025 |
| Book Page | 2025/1346 |
| Instrument | 2025 1346 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Oct 14, 2019 |
| Property Address | 104 E CHERRY ST, RED OAK, IA 51566-1000 |
| Document Number | 2019/1483 |
| Book / Page | 2019 / 1483 |
| Instrument Date | Oct 09, 2019 |
| Instrument | 1483 |
| Transaction Type | Transfer |
| Record Updated | Sep 07, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 E CHERRY ST, RED OAK, IA 51566-1000 |
| Document Number | 02019/1484 |
|---|---|
| Date | Oct 14, 2019 |
| Book Page | 2019/1484 |
| Instrument | 1484 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
Source: Montgomery County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Montgomery County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $128,910 (+25.78%) Land $13,640 Building $115,270 | $128,910 (+25.78%) Land $13,640 Building $115,270 | |
| 2024 | $2,166.00 (+58.8%) | ||
| 2023 | $102,490 Land $8,640 Building $93,850 | $102,490 Land $8,640 Building $93,850 | |
| 2022 | $1,364.00 |
Source: FEMA National Flood Hazard Layer as of May 1, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| 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 |
|
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
May also be available: Farmers Mutual Telephone Company of Stanton, Iowa.
Based on FCC filings for 365 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | RED OAK WATER SUPPLY serves 5,596 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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