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

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,316 sqft · built 1905
Lot Size	0.113 acres (4,928 sqft)
Owner	Individual Name on Record
Tax Bill	$1,008 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`600628161002000`

Property Details

APN / Parcel Number

Primary APN	`600628161002000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,316 sqft Living Area
1st Floor Area	308 sqft
Basement Area	320 sqft
Unfinished Basement	320 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,928 sqft (0.113 acres)
Lot Dimensions	112 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	204 E HAMMOND ST
City	RED OAK
State	IA
Zip	51566-1853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 4 (EX W 1') BLK 27
Legal Subdivision	CITY OF RED OAK
Legal Block	27
Legal Lot Number	4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2148
Census Tract	960300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Red Oak Downtown Historic District listed 2016 · 74 contributing resources · NRIS 16000868

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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 Record
Mailing Address	204 E HAMMOND ST, RED OAK, IA 51566-1853
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	204 E HAMMOND ST, RED OAK, IA 51566-1853
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E HAMMOND ST, RED OAK, IA 51566-1853

Mortgage

Document Number	02025/1698
Date	Nov 26, 2025
Book Page	2025/1698
Instrument	2025 1698

Lender

Name	BANK IOWA
Type	Bank
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2035

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Aug 5, 2020
Property Address	204 E HAMMOND ST, RED OAK, IA 51566-1853
Document Number	02020/1345
Book / Page	2020 / 1345
Map Reference	MB 2018 PG 817
Instrument Date	May 29, 2018
Instrument	2020 1345
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68.80
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 HAMMOND ST, RED OAK, IA 51566-1853

Mortgage

Document Number	02020/1346
Date	Aug 5, 2020
Book Page	2020/1346
Instrument	2020 1346

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$1,008.00 (+10.77%) Homeowner's exemption	$66,050 (+15.05%) Land $6,470 Building $59,580	$66,050 (+15.05%) Land $6,470 Building $59,580
2024	$910.00 (+50.66%)
2023		$57,410 Land $4,310 Building $53,100	$57,410 Land $4,310 Building $53,100
2022	$604.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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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