Montgomery County property record for 305 E Elm St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,415 sqft · built 1890 |
| Lot Size | 0.129 acres (5,625 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $17,000 (Oct 2023) |
| Tax Bill | $428 (2025) |
| Deeds & Mortgages | Feb 2022 Transfer |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600628108008000 |
| Primary APN | 600628108008000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,415 sqft Living Area |
| 1st Floor Area | 384 sqft |
| Basement Area | 930 sqft |
| Unfinished Basement | 930 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 | 5,625 sqft (0.129 acres) |
| Lot Dimensions | 125 ft deep x 45 ft wide |
| Porch | Slab |
| Porch Area | 30 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 305 E ELM ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALIX ADD LT 9 BLK 8 |
| Legal Subdivision | ALIX ADD |
| Legal Block | 8 |
| Legal Lot Number | 9 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2075 |
| Census Tract | 960300 |
305 E Elm St is owned and occupied by two individuals who bought it in October 2023.
Source: Montgomery County records, as of September 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 305 E ELM ST, RED OAK, IA 51566-1505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2023 · Amount on File |
| Deed Sale | Oct 2, 2023 · Amount on File |
| Deed Document Number | 20231390 |
| Deed Book / Page | 2023 / 1390 |
| Prior Transfer Date | Feb 25, 2022 |
| Prior Transfer Doc | 002022/299 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Feb 28, 2022 |
| Property Address | 305 E ELM ST, RED OAK, IA 51566-1505 |
| Document Number | 002022/299 |
| Book / Page | 2022 / 299 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2022 0299 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 305 E ELM ST, RED OAK, IA 51566-1505 |
The 2025 property tax bill for 305 E Elm St was $428, down 25.7% 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 | $428.00 (-25.69%) | $19,590 Land $6,820 Building $12,770 | $19,590 Land $6,820 Building $12,770 |
| 2024 | $576.00 | ||
| 2023 | $24,520 Land $4,550 Building $19,970 | $24,520 Land $4,550 Building $19,970 | |
| 2022 | $294.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 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 |
|
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 305 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures