304 E Cherry St, Red Oak, IA 51566 Property Records

Montgomery County property record for 304 E Cherry St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 866 sqft · built 1952
Lot Size	0.129 acres (5,625 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Apr 2025)
Tax Bill	$1,178 (2024)
Deeds & Mortgages	Apr 2025 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`600621354002000`

Property Details

APN / Parcel Number

Primary APN	`600621354002000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	866 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,625 sqft (0.129 acres)
Lot Dimensions	125 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	73 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	304 E CHERRY ST
City	RED OAK
State	IA
Zip	51566-1066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PACT PARK ADD LT 4 BLK 1
Legal Block	1
Legal Lot Number	4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2015
Census Tract	960300

Owner

Source: Montgomery County records · APN 600621354002000

Assessment roll updated May 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	304 E CHERRY ST, RED OAK, IA 51566-1066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 01, 2025 · Amount on Record
Deed Sale	Apr 01, 2025 · Amount on Record
Deed Document Number	2025 0428
Deed Book / Page	2025 / 428
Record Updated	Jun 08, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Apr 01, 2025
Property Address	304 E CHERRY ST, RED OAK, IA 51566-1066
Document Number	002025/428
Book / Page	2025 / 428
Instrument Date	Mar 27, 2025
Instrument	2025 0428
Transaction Type	Transfer
Record Updated	Oct 02, 2025
Title Company	MIDWEST AREA TITLE INC, MIDWEST TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E CHERRY ST, RED OAK, IA 51566-1066

Mortgage

Document Number	0020250429
Date	Apr 01, 2025
Instrument	2025 0429

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2055

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated May 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$70,880 (+17.29%) Land $6,820 Building $64,060	$70,880 (+17.29%) Land $6,820 Building $64,060
2024	$1,178.00
2023		$60,430 Land $4,550 Building $55,880	$60,430 Land $4,550 Building $55,880

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 1, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Severe Storms, Tornadoes, And Flooding, May 2024 · 2 claims Severe Storms, Tornadoes And Flooding, Jun 1998 · 2 claims

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50

May also be available: Farmers Mutual Telephone Company of Stanton, Iowa.

Based on FCC filings for 365 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	RED OAK WATER SUPPLY serves 5,596 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.