Montgomery County property record for 1106 E Valley St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,628 sqft · built 1956 |
| Lot Size | 0.318 acres (13,860 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (May 2016) |
| Tax Bill | $5,260 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Dec 2018 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 600628276032000 |
| Primary APN | 600628276032000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,628 sqft Living Area |
| Basement Area | 1,628 sqft |
| Unfinished Basement | 1,628 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,860 sqft (0.318 acres) |
| Lot Dimensions | 68 ft deep x 45 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,144 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 40 sqft |
| Deck Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1106 E VALLEY ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-2058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SD S PT NE NE LTS 5-6 & N 68' LT 4 |
| Legal Range | 38W |
| Legal Township | 72N |
| Legal Section | 28 |
| Legal Lot Number | 4-6 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 960200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1106 E VALLEY ST, RED OAK, IA 51566-2058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2026 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Dec 3, 2018 | Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA |
| May 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ARK LA TEX FINANCIAL SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2016 · Amount on Record |
| Deed Sale | May 26, 2016 · Amount on Record |
| Deed Document Number | 2016768 |
| Deed Book / Page | 2016 / 768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 1106 E VALLEY ST, RED OAK, IA 51566-2058 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Title Company | UNLS |
| Name | Verified Name |
|---|---|
| Address | 1106 E VALLEY ST, RED OAK, IA 51566-2058 |
| Document Number | 002026/438 |
|---|---|
| Date | Mar 25, 2026 |
| Book Page | 2026/438 |
| Instrument | 2026 0438 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 1106 E VALLEY ST, RED OAK, IA 51566-2058 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02018/1816 |
|---|---|
| Date | Dec 3, 2018 |
| Book Page | 2018/1816 |
| Instrument | 1816 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 1106 E VALLEY ST, RED OAK, IA 51566-2058 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002022/816 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 2022/816 |
| Instrument | 2022 0816 |
| Name | ARK LA TEX FINANCIAL SERVICES |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Rate Type | Fixed Rate |
|---|
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 | $5,260.00 (+31.7%) | $240,860 (+41.54%) Land $24,840 Building $216,020 | $240,860 (+41.54%) Land $24,840 Building $216,020 |
| 2024 | $3,994.00 (+29.84%) | ||
| 2023 | $170,170 Land $16,070 Building $154,100 | $170,170 Land $16,070 Building $154,100 | |
| 2022 | $3,076.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2014 · other causes |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 65% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond 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 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| FMTC of Stanton Iowa Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
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