204 E Elm St, Red Oak, IA 51566 Property Records

Montgomery County property record for 204 E Elm St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,237 sqft · built 1895
Lot Size	0.148 acres (6,435 sqft)
Owner	Individual Name on File
Last Sale	$7,500 (Jul 2017)
Tax Bill	$516 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2020 Refinance + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`600628111003000`

Property Details

APN / Parcel Number

Primary APN	`600628111003000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,237 sqft Living Area
1st Floor Area	624 sqft
Attic	Attic
Attic Area	343 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Stone
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,435 sqft (0.148 acres)
Lot Dimensions	143 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	115 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	204 E ELM ST
City	RED OAK
State	IA
Zip	51566-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALIX ADD LT 4 BLK 10
Legal Subdivision	ALIX ADDITION
Legal Block	10
Legal Lot Number	4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2085
Census Tract	960300

Owner

204 E Elm St is owned by an individual who bought it in July 2017.

Source: Montgomery County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	400 E COOLBAUGH ST, 302, RED OAK, IA 51566-2359
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit HOUGHTON STATE BANK
Jan 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOUGHTON STATE BANK
Jan 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Jul 7, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2017 · Amount on File
Deed Sale	Jul 7, 2017 · Amount on File
Prior Sale	Mar 7, 2007 · Amount on File
Deed Document Number	20171068
Deed Book / Page	2017 / 1068
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	204 E ELM ST, RED OAK, IA 51566-1504
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 W 3RD ST, RED OAK, IA 51566-2140

Mortgage

Document Number	02025/1277
Date	Sep 12, 2025
Book Page	2025/1277
Instrument	2025 1277

Lender

Name	HOUGHTON STATE BANK
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	204 E ELM ST, RED OAK, IA 51566-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/213
Date	Jan 28, 2020
Book Page	2020/213
Instrument	213

Lender

Name	HOUGHTON STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	204 E ELM ST, RED OAK, IA 51566-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/0021
Date	Jan 4, 2018
Book Page	2018/0021
Instrument	2018 0021

Lender

Name	BANK IOWA
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jul 7, 2017
Property Address	204 E ELM ST, RED OAK, IA 51566-1504
Document Number	2017/1068
Book / Page	2017 / 1068
Instrument Date	Jul 3, 2017
Instrument	2017 1068
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Tax	$11.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E ELM ST, RED OAK, IA 51566-1504

Tax Assessment & Valuation

The 2025 property tax bill for 204 E Elm St was $516, down 1.9% 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	$516.00 (-1.9%)	$23,650 Land $7,160 Building $16,490	$23,650 Land $7,160 Building $16,490
2024	$526.00
2023		$22,390 Land $4,770 Building $17,620	$22,390 Land $4,770 Building $17,620
2022	$420.00

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

Flood

FEMA maps place 204 E Elm St in Zone X, where a levee reduces flood risk, though there have been 7 flood claims nearby since 1987.

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 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 204 E Elm 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 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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