309 E Joy St, Red Oak, IA 51566 Property Records

Montgomery County property record for 309 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,124 sqft · built 1900
Lot Size	0.137 acres (5,960 sqft)
Owner	2 Individual Names on File
Last Sale	$94,500 (Mar 2024)
Tax Bill	$2,094 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2024 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`600628120010000`

Property Details

APN / Parcel Number

Primary APN	`600628120010000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,124 sqft Living Area
1st Floor Area	784 sqft
Basement Area	1,124 sqft
Unfinished Basement	1,124 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Other
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,960 sqft (0.137 acres)
Lot Dimensions	55 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	360 sqft
Porch	Enclosed Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 E JOY ST
City	RED OAK
State	IA
Zip	51566-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT W 20' LT 2 & W 5' E 25' S 72' LT 2 & E 30' LT 3 BLK 5
Legal Subdivision	CITY OF RED OAK
Legal Block	5
Legal Lot Number	2,3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2122
Census Tract	960300

Owner

309 E Joy St is owned and occupied by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	309 E JOY ST, RED OAK, IA 51566-1815
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
Mar 27, 2026	Deed of Trust, Mortgage · Closed-End Mortgage MALVERN BANK
Mar 1, 2024	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2024 · Amount on File
Deed Sale	Mar 1, 2024 · Amount on File
Deed Document Number	2024280
Deed Book / Page	2024 / 280
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	309 E JOY ST, RED OAK, IA 51566-1815
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E JOY ST, RED OAK, IA 51566-1815

Mortgage

Document Number	002026/447
Date	Mar 27, 2026
Book Page	2026/447
Instrument	2026 0447

Lender

Name	MALVERN BANK
Type	Bank
Address	MALVERN, IA 51551

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	62 Months
Due	May 1, 2031

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Mar 1, 2024
Property Address	309 E JOY ST, RED OAK, IA 51566-1815
Document Number	002024/280
Book / Page	2024 / 280
Instrument Date	Feb 28, 2024
Instrument	2024 280
Transaction Type	Transfer
Record Updated	Apr 19, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.40
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	309 E JOY ST, RED OAK, IA 51566-1815

Mortgage

Document Number	0002024281
Date	Mar 1, 2024
Instrument	2024 281

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 309 E Joy St was $2,094, down 20.9% 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	$2,094.00 (-20.86%)	$95,900 Land $7,940 Building $87,960	$95,900 Land $7,940 Building $87,960
2024	$2,646.00
2023		$112,780 Land $5,300 Building $107,480	$112,780 Land $5,300 Building $107,480
2022	$898.00

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

Flood

FEMA maps place 309 E Joy 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 309 E Joy 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 609 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 Joy St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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