Montgomery County property record for 1207 E Valley St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,112 sqft · built 1890 |
| Lot Size | 0.116 acres (5,040 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $174,500 (Apr 2026) |
| Tax Bill | $946 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 600628227044000 |
| Primary APN | 600628227044000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,112 sqft Living Area |
| 1st Floor Area | 384 sqft |
| Basement Area | 384 sqft |
| Unfinished Basement | 384 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,040 sqft (0.116 acres) |
| Lot Dimensions | 105 ft deep x 48 ft wide |
| Porch | Slab |
| Porch Area | 128 sqft |
| Deck Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 1207 E VALLEY ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-2059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRITCHARD ADD W 48' LTS 1 & 2 |
| Legal Subdivision | PRITCHARD ADDITION |
| Legal Lot Number | 1,2 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 960200 |
1207 E Valley St is owned by a company that bought it in April 2026 and is owner-occupied.
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 Company Names on File |
|---|---|
| Mailing Address | 1207 E VALLEY ST, RED OAK, IA 51566-2059 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 9, 2026 | Warranty Deed, Transfer · FHA Mortgage FIRST NATIONAL BANK OF OMAHA |
| Apr 9, 2026 | Warranty Deed, Transfer · FHA Mortgage FIRST NATIONAL BANK OF OMAHA |
| Jun 29, 2006 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2026 · Amount on File |
| Deed Sale | Apr 9, 2026 · Amount on File |
| Prior Sale | Jul 28, 2025 · Amount on File |
| Deed Document Number | 2026487 |
| Deed Book / Page | 2026 / 487 |
| Prior Transfer Date | Jul 23, 2025 |
| Prior Transfer Doc | 0000001048 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Apr 9, 2026 |
| Property Address | 1207 E VALLEY ST, RED OAK, IA 51566-2059 |
| Document Number | 002026/487 |
| Book / Page | 2026 / 487 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 2026487 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,118.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1207 E VALLEY ST, RED OAK, IA 51566-2059 |
| Document Number | 0000000488, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 2026488 |
| Name | FIRST NATIONAL BANK OF OMAHA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Apr 9, 2026 |
| Property Address | 1207 E VALLEY ST, RED OAK, IA 51566-2059 |
| Document Number | 0000000487 |
| Book / Page | 2026 / 487 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 2026.487 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,118.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1207 E VALLEY ST, RED OAK, IA 51566-2059 |
| Document Number | 0000000488, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 2026..488 |
| Name | FIRST NATIONAL BANK OF OMAHA |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Jun 29, 2006 |
| Property Address | 1207 E VALLEY ST, RED OAK, IA 51566-2059 |
| Document Number | 00297/0092 |
| Book / Page | 0297 / 0092 |
| Instrument Date | Jun 28, 2006 |
| Instrument | 0297 0092 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1207 E VALLEY ST, RED OAK, IA 51566-2059 |
| Document Number | 0002970094 |
|---|---|
| Date | Jun 29, 2006 |
| Instrument | 0297 0094 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 396 Months |
| Due | Jun 28, 2039 |
The 2025 property tax bill for 1207 E Valley St was $946 with a homeowner's exemption, down 49.3% 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 | $946.00 (-49.3%) Homeowner's exemption | $54,230 Land $9,220 Building $45,010 | $54,230 Land $9,220 Building $45,010 |
| 2024 | $1,866.00 | ||
| 2023 | $89,750 Land $6,910 Building $82,840 | $89,750 Land $6,910 Building $82,840 | |
| 2022 | $1,302.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1207 E Valley St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2014.
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.
Wildfire risk around 1207 E Valley St is low, with a 0.03% annual chance of wildfire.
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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