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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,370 sqft · built 1947
Lot Size	0.129 acres (5,625 sqft)
Owner	2 Individual Names on File
Last Sale	$24,000 (Feb 2024)
Tax Bill	$1,806 (2025)
Deeds & Mortgages	Feb 2024 Sale & Line of Credit Jun 2017 Sale
Flood Zone	Zone X (reduced by levee)
APN	`600621366003000`

Property Details

APN / Parcel Number

Primary APN	`600621366003000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,370 sqft Living Area
1st Floor Area	806 sqft
Basement Area	288 sqft
Finished Basement	288 sqft
Unfinished Basement	518 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,625 sqft (0.129 acres)
Lot Dimensions	125 ft deep x 45 ft wide
Garage Type	Mixed
Garage Area	448 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	50 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	304 E OAK ST
City	RED OAK
State	IA
Zip	51566-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALIX ADD LT 4 BLK 1
Legal Subdivision	ALIX ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2043
Census Tract	960300

Owner

304 E Oak St is owned by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1894 STATE HIGHWAY 48, RED OAK, IA 51566-5096
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
Feb 21, 2024	Warranty Deed, Transfer · Line of Credit HOUGHTON STATE BANK
Jun 6, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2024 · Amount on File
Deed Sale	Feb 21, 2024 · Amount on File
Prior Sale	Jun 6, 2017 · Amount on File
Deed Document Number	20242024
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Feb 21, 2024
Property Address	304 E OAK ST, RED OAK, IA 51566-1548
Document Number	002024/230
Book / Page	2024 / 230
Instrument Date	Feb 21, 2024
Instrument	2024 230
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1894 STATE HIGHWAY 48, RED OAK, IA 51566-5096

Mortgage

Document Number	0002024231
Date	Feb 21, 2024
Instrument	2024 231

Lender

Name	HOUGHTON STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jun 6, 2017
Property Address	304 E OAK ST, RED OAK, IA 51566-1548
Document Number	02017/0867
Book / Page	2017 / 0867
Instrument Date	May 10, 2017
Instrument	2017 0867
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount on Record
Tax	$53.60
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 OAK ST, RED OAK, IA 51566-1548

Tax Assessment & Valuation

The 2025 property tax bill for 304 E Oak St was $1,806, down 3% 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	$1,806.00 (-3.01%)	$82,700 Land $6,820 Building $75,880	$82,700 Land $6,820 Building $75,880
2024	$1,862.00
2023		$79,360 Land $4,550 Building $74,810	$79,360 Land $4,550 Building $74,810
2022	$1,222.00

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

Flood

FEMA maps place 304 E Oak 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 Oak 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.

Nearby Properties on E Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures