Montgomery County property record for 305 E Prospect St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,944 sqft · built 1917 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,016 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600628112009000 |
| Primary APN | 600628112009000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,944 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1917 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,600 sqft (0.22 acres) |
| Lot Dimensions | 160 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 36 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 305 E PROSPECT ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE ADD HARRIS SD E 1/4 OL6 W 35' LT 4 & E 25' LT 5 BLK 1 |
| Legal Subdivision | NE ADD HARRIS SD |
| Legal Block | 1 |
| Legal Lot Number | 4,5 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2091 |
| Census Tract | 960300 |
Source: Montgomery County records, as of September 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 305 E PROSPECT ST, RED OAK, IA 51566-1532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 305 E PROSPECT ST, RED OAK, IA 51566-1532 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017 1307 |
|---|---|
| Date | Aug 15, 2017 |
| Book Page | 2017/1307 |
| Instrument | 2017 1307 |
| Name | CITY OF RED OAK |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|
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 | $2,016.00 (+41.37%) Homeowner's exemption | $117,850 (+39.14%) Land $9,810 Building $108,040 | $117,850 (+39.14%) Land $9,810 Building $108,040 |
| 2024 | $1,426.00 (+9.19%) | ||
| 2023 | $84,700 Land $6,540 Building $78,160 | $84,700 Land $6,540 Building $78,160 | |
| 2022 | $1,306.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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.
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.
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