Montgomery County property record for 105 E Prospect St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · built 1980 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $17,000 (Sep 2026) |
| Tax Bill | $406 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Line of Credit |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600628110009000 |
| Primary APN | 600628110009000 |
|---|
| Full Baths | 1 Bath |
|---|
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 160 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Cooling System | Central |
|---|
| Street Address | 105 E PROSPECT ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE ADD BISHOPS SD W 3/4 OL6 LT 4 BLK 2 |
| Legal Subdivision | NE ADD BISHOPS SD |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2089 |
| Census Tract | 960300 |
105 E Prospect St is owned by two individuals who bought it in September 2026.
Source: Montgomery County records, as of October 14, 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 Individual Names on File |
|---|---|
| Mailing Address | 1291 120TH ST, HENDERSON, IA 51541-3004 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2026 · Amount on File |
| Deed Sale | Sep 1, 2026 · Amount on File |
| Deed Document Number | 20261215 |
| Deed Book / Page | 2026 / 1215 |
| Prior Transfer Date | Sep 19, 2023 |
| Prior Transfer Doc | 0000001331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Sep 1, 2026 |
| Property Address | 105 E PROSPECT ST, RED OAK, IA 51566 |
| Document Number | 0000001215 |
| Book / Page | 2026 / 1215 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 20261215 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1291 120TH ST, HENDERSON, IA 51541-3004 |
| Document Number | 0000001216, |
|---|---|
| Date | Sep 1, 2026 |
| Instrument | 20261216 |
| Name | BANKIOWA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Sep 1, 2029 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 105 E Prospect St was $406, up 63.7% from the year before.
Source: Montgomery County assessment roll, as of October 2, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Montgomery County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $406.00 (+63.71%) | $18,630 Land $4,780 Building $13,850 | $18,630 Land $4,780 Building $13,850 |
| 2024 | $248.00 | ||
| 2023 | $10,610 Land $2,450 Building $8,160 | $10,610 Land $2,450 Building $8,160 | |
| 2022 | $186.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 E Prospect St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
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 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 |
|
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.
The area around 105 E Prospect St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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