Montgomery County property record for 207 E Joy St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,760 sqft · built 1890 |
| Lot Size | 0.175 acres (7,616 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $122,500 (Feb 2026) |
| Tax Bill | $1,328 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600628119008000 |
| Primary APN | 600628119008000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,760 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Basement Area | 992 sqft |
| Unfinished Basement | 992 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,616 sqft (0.175 acres) |
| Lot Dimensions | 112 ft deep x 68 ft wide |
| Garage Type | Detached |
| Garage Area | 760 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 207 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 3 & W/2 LT 2 BLK 6 |
| Legal Subdivision | CITY OF RED OAK |
| Legal Block | 6 |
| Legal Lot Number | 2,3 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2123 |
| Census Tract | 960300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 207 E JOY ST, RED OAK, IA 51566-1813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on Record |
| Deed Sale | Feb 19, 2026 · Amount on Record |
| Prior Sale | Jun 10, 2024 · Amount on Record |
| Deed Document Number | 2026244 |
| Deed Book / Page | 2026 / 244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 207 E JOY ST, RED OAK, IA 51566-1813 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1407 N 7TH ST, RED OAK, IA 51566-1128 |
| Document Number | 002026/245 |
|---|---|
| Date | Feb 19, 2026 |
| Book Page | 2026/245 |
| Instrument | 2026 0245 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61704 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
Source: Montgomery County assessment roll, as of October 2, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Montgomery County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,328.00 (-17.21%) Homeowner's exemption | $71,690 (-8.78%) Land $10,000 Building $61,690 | $71,690 (-8.78%) Land $10,000 Building $61,690 |
| 2024 | $1,604.00 (+51.32%) | ||
| 2023 | $78,590 Land $6,660 Building $71,930 | $78,590 Land $6,660 Building $71,930 | |
| 2022 | $1,060.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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 |
| 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.
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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