104 E Elm St, Red Oak, IA 51566 Property Records

Montgomery County property record for 104 E Elm St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 974 sqft · built 1926
Lot Size	0.148 acres (6,435 sqft)
Owner	Individual Name on File
Last Sale	$34,000 (Apr 2025)
Tax Bill	$858 (2025)
Deeds & Mortgages	Apr 2025 Mortgage Nov 2023 Sale & Line of Credit
Flood Zone	Zone X (reduced by levee)
APN	`600628110003000`

Property Details

APN / Parcel Number

Primary APN	`600628110003000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	974 sqft Living Area
1st Floor Area	672 sqft
Attic	Attic
Attic Area	302 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,435 sqft (0.148 acres)
Lot Dimensions	143 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	84 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	104 E ELM ST
City	RED OAK
State	IA
Zip	51566-1502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALIX ADD LT 4 BLK 11
Legal Subdivision	ALIX ADD
Legal Block	11
Legal Lot Number	4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2059
Census Tract	960300

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 Record	Individual Name on File
Mailing Address	2535 L AVE, STANTON, IA 51573-4055
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2025	Intrafamily Transfer, Transfer · Commercial Mortgage BANK IOWA
Nov 30, 2023	Warranty Deed, Transfer · Line of Credit BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2025 · Amount on File
Deed Sale	Apr 25, 2025 · Amount on File
Prior Sale	Nov 30, 2023 · Amount on File
Deed Document Number	2025553
Deed Book / Page	2025 / 553
Record Updated	Oct 29, 2026

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY IA
Recording Date	Apr 25, 2025
Property Address	104 E ELM ST, RED OAK, IA 51566-1502
Document Number	002025/553
Book / Page	2025 / 553
Instrument Date	Apr 25, 2025
Instrument	2025 0553
Transaction Type	Transfer
Record Updated	Dec 4, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2535 L AVE, STANTON, IA 51573-4055

Mortgage

Document Number	0020250574
Date	Apr 25, 2025
Instrument	2025 0574

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 25, 2040

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Nov 30, 2023
Property Address	104 E ELM ST, RED OAK, IA 51566-1502
Document Number	02023/1666
Book / Page	2023 / 1666
Instrument Date	Nov 29, 2023
Instrument	2023 1666
Transaction Type	Transfer
Record Updated	Dec 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2535 L AVE, STANTON, IA 51573-4055

Mortgage

Document Number	0020231668
Date	Nov 30, 2023
Instrument	2023 1668

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 20, 2033

Interest

Rate Type	Adjustable 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	$858.00 (+5.93%)	$39,290 (+13.75%) Land $7,160 Building $32,130	$39,290 (+13.75%) Land $7,160 Building $32,130
2024	$810.00 (+27.36%)
2023		$34,540 Land $4,770 Building $29,770	$34,540 Land $4,770 Building $29,770
2022	$636.00

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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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