111 E Prospect St, Red Oak, IA 51566 Property Records

Montgomery County property record for 111 E Prospect St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 928 sqft · built 1947
Lot Size	0.072 acres (3,120 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (May 2023)
Tax Bill	$1,792 (2025)
Deeds & Mortgages	May 2023 Line of Credit Oct 2019 Sale
Flood Zone	Zone X (reduced by levee)
APN	`600628110013000`

Property Details

APN / Parcel Number

Primary APN	`600628110013000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	928 sqft Living Area
Basement Area	928 sqft
Unfinished Basement	928 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,120 sqft (0.072 acres)
Lot Dimensions	80 ft deep x 39 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	111 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD BISHOPS SD W 3/4 OL6 E 39' S/2 LT 1 BLK 2
Legal Subdivision	NE ADD BISHOPS SD
Legal Block	2
Legal Lot Number	1
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2089
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	111 E PROSPECT ST, RED OAK, IA 51566-1529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Deed of Trust, Mortgage · Line of Credit ROCKET MORTGAGE LLC
Oct 1, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2023 · Amount on Record
Deed Sale	May 9, 2023 · Amount on Record
Prior Sale	Oct 1, 2019 · Amount on Record
Deed Document Number	2023643
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	111 E PROSPECT ST, RED OAK, IA 51566-1529
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/644
Date	May 9, 2023
Book Page	2023/644
Instrument	2023 0644

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Oct 1, 2019
Property Address	111 E PROSPECT ST, RED OAK, IA 51566-1529
Document Number	2019/1431
Book / Page	2019 / 1431
Instrument Date	Sep 21, 2019
Instrument	1431
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 E PROSPECT ST, RED OAK, IA 51566-1529

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	$1,792.00 (+75.34%) Homeowner's exemption	$92,940 (+72.88%) Land $4,910 Building $88,030	$92,940 (+72.88%) Land $4,910 Building $88,030
2024	$1,022.00 (+10.37%)
2023		$53,760 Land $3,280 Building $50,480	$53,760 Land $3,280 Building $50,480
2022	$926.00

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 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 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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