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

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,694 sqft · built 1910
Lot Size	0.148 acres (6,435 sqft)
Owner	2 Individual Names on File
Last Sale	$72,000 (Nov 2005)
Tax Bill	$1,260 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`600628112003000`

Property Details

APN / Parcel Number

Primary APN	`600628112003000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,694 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
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	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	304 E ELM ST
City	RED OAK
State	IA
Zip	51566-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALIX ADD LT 4 BLK 9
Legal Subdivision	ALIX ADDITION
Legal Block	9
Legal Lot Number	4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2084
Census Tract	960300

Owner

304 E Elm St is owned and occupied by two individuals who acquired it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	304 E ELM ST, RED OAK, IA 51566-1506
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK
Jan 25, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
May 3, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2005 · Amount on File
Deed Sale	Nov 29, 2005 · Amount on File
Deed Document Number	20051107
Deed Book / Page	290 / 630
Last Transfer Date	Apr 20, 2018
Transfer Doc	2018/662
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	304 E ELM ST, RED OAK, IA 51566-1506
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1142
Date	Jun 24, 2021
Book Page	2021/1142
Instrument	2021 1142

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	304 E ELM ST, RED OAK, IA 51566-1506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/90
Date	Jan 25, 2019
Book Page	2019/90
Instrument	90

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2034

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY IA
Recording Date	May 3, 2018
Property Address	304 E ELM ST, RED OAK, IA 51566-1506
Document Number	2018/662
Book / Page	2018 / 662
Instrument Date	Apr 20, 2018
Instrument	000000000662
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E ELM ST, RED OAK, IA 51566-1506

Tax Assessment & Valuation

The 2025 property tax bill for 304 E Elm St was $1,260 with a homeowner's exemption, up 105.2% 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	$1,260.00 (+105.21%) Homeowner's exemption	$68,570 Land $7,160 Building $61,410	$68,570 Land $7,160 Building $61,410
2024	$614.00
2023		$36,420 Land $2,390 Building $34,030	$36,420 Land $2,390 Building $34,030
2022	$498.00

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

Flood

FEMA maps place 304 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 304 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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