1303 E Summit St, Red Oak, IA 51566 Property Records

Montgomery County property record for 1303 E Summit St, Red Oak, IA 51566 · Last verified July 2026

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.466 acres (20,306 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Mar 2026)
Tax Bill	$264 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`600621477029000`

Property Details

APN / Parcel Number

Primary APN	`600621477029000`

Exterior

Lot Area	20,306 sqft (0.466 acres)
Lot Dimensions	142 ft deep x 143 ft wide

Location & Zoning

Street Address	1303 E SUMMIT ST
City	RED OAK
State	IA
Zip	51566-1703
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	E/2 S .15 AC LT 3 W/2 SE SE PCL A
Legal Range	38W
Legal Township	72N
Legal Section	21
Legal Lot Number	3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2014
Census Tract	960200

Owner

Source: Montgomery County records · APN 600621477029000

Assessment roll updated October 2, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2066 S INGLES DR, RED OAK, IA 51566-3214
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Deed Document Number	2026369
Deed Book / Page	2026 / 369
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Recording Date	Apr 14, 2026
Property Address	1303 E SUMMIT ST, RED OAK, IA 51566-1703
Document Number	0000000518
Book / Page	2026 / 518
Instrument Date	Feb 27, 2026
Instrument	2026518
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2066 S INGLES DR, RED OAK, IA 51566-3214

Mortgage

Document Number	0000000518,
Date	Apr 14, 2026
Book Page	2026/518
Instrument	2026518

Lender

Name	UNION BANK & TRUST CO

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 27, 2031

Interest

Rate	6.1%
Max Rate	-1%

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated October 2, 2025 · Last verified July 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$264.00	$25,530 (+126.73%) Land $25,530	$25,530 (+126.73%) Land $25,530
2024	$264.00 (-12%)
2023		$11,260 Land $11,260	$11,260 Land $11,260
2022	$300.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (19137C), updated May 1, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 191379602002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.