107 E Reed St, Red Oak, IA 51566 Property Records

Montgomery County property record for 107 E Reed St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,648 sqft · built 1890
Lot Size	0.116 acres (5,040 sqft)
Owner	2 Individual Names on File
Last Sale	$24,000 (Sep 2025)
Tax Bill	$1,200 (2025)
Deeds & Mortgages	Jan 2020 Refinance Oct 2019 Refinance + 1 more
Flood Zone	Zone AO (high risk)
APN	`600628160009000`

Property Details

APN / Parcel Number

Primary APN	`600628160009000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,648 sqft Living Area
1st Floor Area	688 sqft
Basement Area	344 sqft
Unfinished Basement	344 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	107 E REED ST
City	RED OAK
State	IA
Zip	51566-2229
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 10 BLK 26
Legal Subdivision	RED OAK
Legal Block	26
Legal Lot Number	10
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2152
Census Tract	960300

Owner

107 E Reed St is owned by two individuals who bought it in September 2025.

Source: Montgomery County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1211 IRENE CT, RED OAK, IA 51566-1211
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOUGHTON STATE BANK
Oct 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA
Aug 31, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2025 · Amount on File
Deed Sale	Sep 19, 2025 · Amount on File
Deed Document Number	20251340
Deed Book / Page	2025 / 1340
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	107 E REED ST, RED OAK, IA 51566-2229
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/211
Date	Jan 28, 2020
Book Page	2020/211
Instrument	211

Lender

Name	HOUGHTON STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	107 E REED ST, RED OAK, IA 51566-2229
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1583
Date	Oct 29, 2019
Book Page	2019/1583
Instrument	1583

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY IA
Recording Date	Aug 31, 2020
Property Address	107 E REED ST, RED OAK, IA 51566-2229
Document Number	02020/1500
Book / Page	2020 / 1500
Instrument Date	Aug 28, 2020
Instrument	2020 1500
Transaction Type	Transfer
Record Updated	Mar 3, 2023

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	400 E COOLBAUGH ST APT 302, 302, RED OAK, IA 51566-2359

Tax Assessment & Valuation

The 2025 property tax bill for 107 E Reed St was $1,200, down 0.3% from the year before.

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	$1,200.00 (-0.33%)	$54,970 Land $6,620 Building $48,350	$54,970 Land $6,620 Building $48,350
2024	$1,204.00
2023		$51,350 Land $4,410 Building $46,940	$51,350 Land $4,410 Building $46,940
2022	$862.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 107 E Reed St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 1, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

The area around 107 E Reed 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.

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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