202 E Valley St, Red Oak, IA 51566 Property Records

Montgomery County property record for 202 E Valley St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,130 sqft · built 1927
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Aug 2017)
Tax Bill	$2,466 (2025)
Deeds & Mortgages	Jul 2022 Mortgage May 2019 Refinance + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`600628119002000`

Property Details

APN / Parcel Number

Primary APN	`600628119002000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,130 sqft Living Area
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft
Unfinished Basement	1,050 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft
Patio Area	396 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	202 E VALLEY ST
City	RED OAK
State	IA
Zip	51566-1833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD BISHOPS SD W 3/4 OL6 LT 5 BLK 7
Legal Subdivision	NE ADD BISHOPS SD
Legal Block	7
Legal Lot Number	5
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2110
Census Tract	960300

Owner

202 E Valley St is owned and occupied by an individual who bought it in August 2017.

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	Individual Name on File
Mailing Address	202 E VALLEY ST, RED OAK, IA 51566-1833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
May 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOUGHTON STATE BANK
Aug 11, 2017	Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2017 · Amount on File
Deed Sale	Aug 11, 2017 · Amount on File
Deed Document Number	20171288
Deed Book / Page	2017 / 1288
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	202 E VALLEY ST, RED OAK, IA 51566-1833
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1101
Date	Jul 8, 2022
Book Page	2022/1101
Instrument	2022 1101

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	202 E VALLEY ST, RED OAK, IA 51566-1833
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/761
Date	May 24, 2019
Book Page	2019/761
Instrument	761

Lender

Name	HOUGHTON STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Jun 1, 2024

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Aug 11, 2017
Property Address	202 E VALLEY ST, RED OAK, IA 51566-1833
Document Number	2017/1288
Book / Page	2017 / 1288
Instrument Date	Jul 31, 2017
Instrument	2017 1288
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 E VALLEY ST, RED OAK, IA 51566-1833

Mortgage

Document Number	2017/1289
Date	Aug 11, 2017
Book Page	2017/1289
Instrument	2017 1289

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company
Address	JOHNSTON, IA 50131

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 202 E Valley St was $2,466, up 8.5% from the year before.

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	$2,466.00 (+8.54%)	$112,970 Land $6,620 Building $106,350	$112,970 Land $6,620 Building $106,350
2024	$2,272.00
2023		$96,860 Land $4,410 Building $92,450	$96,860 Land $4,410 Building $92,450
2022	$1,306.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 202 E Valley St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

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 File 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

The area around 202 E Valley St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on E Valley St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures