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

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,044 sqft · built 1900
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on Record
Tax Bill	$1,818 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`600628152003000`

Property Details

APN / Parcel Number

Primary APN	`600628152003000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	842 sqft
Basement Area	421 sqft
Finished Basement	421 sqft
Unfinished Basement	421 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	430 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	293 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 JOY ST
City	RED OAK
State	IA
Zip	51566-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 4 BLK 10
Legal Subdivision	CITY OF RED OAK
Legal Block	10
Legal Lot Number	4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2127
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	400 E COOLBAUGH ST, 302, RED OAK, IA 51566-2359
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit HOUGHTON STATE BANK
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOUGHTON STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	104 E JOY ST, RED OAK, IA 51566-1812
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 W 3RD ST, RED OAK, IA 51566-2140

Mortgage

Document Number	02025/1278
Date	Sep 12, 2025
Book Page	2025/1278
Instrument	2025 1278

Lender

Name	HOUGHTON STATE BANK
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	104 E JOY ST, RED OAK, IA 51566-1812
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1426
Date	Aug 18, 2020
Book Page	2020/1426
Instrument	2020 1426

Lender

Name	HOUGHTON STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,818.00 (+307.62%)	$83,280 (+337.85%) Land $6,620 Building $76,660	$83,280 (+337.85%) Land $6,620 Building $76,660
2024	$446.00 (+10.4%)
2023		$19,020 Land $4,410 Building $14,610	$19,020 Land $4,410 Building $14,610
2022	$404.00

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 264 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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