Montgomery County property record for 301 E Valley St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,334 sqft · built 1915 |
| Lot Size | 0.116 acres (5,040 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,604 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600628116007000 |
| Primary APN | 600628116007000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,334 sqft Living Area |
| 1st Floor Area | 982 sqft |
| Basement Area | 982 sqft |
| Unfinished Basement | 982 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Brick |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,040 sqft (0.116 acres) |
| Lot Dimensions | 112 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 1,146 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 102 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Water Source | Commercial |
| Street Address | 301 E VALLEY ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1834 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE ADD HARRIS SD E/4 OL6 LT 7 BLK 2 |
| Legal Subdivision | NE ADD HARRIS SD |
| Legal Block | 2 |
| Legal Lot Number | 7 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2098 |
| Census Tract | 960300 |
301 E Valley St is owned and occupied by an individual who acquired it in June 2021.
Source: Montgomery County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 301 E VALLEY ST, RED OAK, IA 51566-1834 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 22, 2021 | Deed of Trust, Mortgage · VA Mortgage FIRST BANK |
| Apr 17, 2018 | Deed of Trust, Mortgage · VA Mortgage ROYAL UNITED MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 22, 2021 |
| Transfer Doc | 02021/1127 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 301 E VALLEY ST, RED OAK, IA 51566-1834 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1128 |
|---|---|
| Date | Jun 22, 2021 |
| Book Page | 2021/1128 |
| Instrument | 2021 1128 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 301 E VALLEY ST, RED OAK, IA 51566-1834 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000000555 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 0000002018/0000000555 |
| Instrument | 000000000555 |
| Name | ROYAL UNITED MORTGAGE |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 177 Months |
| Due | Jan 1, 2033 |
The 2025 property tax bill for 301 E Valley St was $2,604 with a homeowner's exemption, up 8.2% from the year before.
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 | $2,604.00 (+8.23%) Homeowner's exemption | $153,730 Land $6,620 Building $147,110 | $153,730 Land $6,620 Building $147,110 |
| 2024 | $2,406.00 | ||
| 2023 | $134,930 Land $4,410 Building $130,520 | $134,930 Land $4,410 Building $130,520 | |
| 2022 | $2,058.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 301 E Valley 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 |
|
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.
The area around 301 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.
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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