201 E Joy St, Red Oak, IA 51566 Property Records

Montgomery County property record for 201 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,296 sqft · built 1974
Lot Size	0.206 acres (8,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jun 2024)
Tax Bill	$3,930 (2025)
Deeds & Mortgages	Jun 2023 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`600628119006000`

Property Details

APN / Parcel Number

Primary APN	`600628119006000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	2,296 sqft Living Area
1st Floor Area	1,728 sqft
Basement Area	1,728 sqft
Finished Basement	1,728 sqft
Unfinished Basement	1,728 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,960 sqft (0.206 acres)
Lot Dimensions	112 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	379 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	201 E JOY ST
City	RED OAK
State	IA
Zip	51566-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 6 & W 35' LT 5 BLK 6
Legal Subdivision	RED OAK
Legal Block	6
Legal Lot Number	5,6
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2123
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	2 Individual Names on Record
Mailing Address	201 E JOY ST, RED OAK, IA 51566-1813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA
Dec 13, 2013	Legal Action/Court Order, Foreclosure · Line of Credit BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2024 · Amount on Record
Deed Sale	Jun 10, 2024 · Amount on Record
Prior Sale	Dec 13, 2013 · Amount on Record
Deed Document Number	20242024
Deed Book / Page	2024 / 797
Prior Transfer Date	Jun 7, 2024
Prior Transfer Doc	0000002024
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	201 E JOY ST, RED OAK, IA 51566-1813
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/859
Date	Jun 22, 2023
Book Page	2023/859
Instrument	2023 0859

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	201 E JOY ST, RED OAK, IA 51566-1813
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/937
Date	May 26, 2021
Book Page	2021/937
Instrument	2021 0937

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	201 E JOY ST, RED OAK, IA 51566-1813
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/630
Date	May 1, 2019
Book Page	2019/630
Instrument	630

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	201 E JOY ST, RED OAK, IA 51566-1813
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/630
Date	May 1, 2019
Book Page	2019/630
Instrument	630

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2013: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	MONTGOMERY IA
Recording Date	Dec 13, 2013
Property Address	201 E JOY ST, RED OAK, IA 51566-1813
Document Number	02013/2073
Book / Page	2013 / 2073
Instrument Date	Dec 11, 2013
Instrument	2013 2073
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	201 E JOY ST, RED OAK, IA 51566-1813

Mortgage

Document Number	0020132074
Date	Dec 13, 2013
Instrument	2013 2074

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$3,930.00 (+8.38%) Homeowner's exemption	$190,870 (+15.86%) Land $10,580 Building $180,290	$190,870 (+15.86%) Land $10,580 Building $180,290
2024	$3,626.00 (+50.46%)
2023		$164,740 Land $7,840 Building $156,900	$164,740 Land $7,840 Building $156,900
2022	$2,410.00

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
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
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 609 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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