310 3rd Ave, Red Oak, IA 51566 Property Records

Montgomery County property record for 310 3rd Ave, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 976 sqft · built 1920
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Tax Bill	$1,626 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jul 2023 Mortgage
Flood Zone	Zone AE (high risk)
APN	`600629485001000`

Property Details

APN / Parcel Number

Primary APN	`600629485001000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	880 sqft
Basement Area	880 sqft
Unfinished Basement	880 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Porch	Enclosed Porch
Porch Area	328 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	310 3RD AVE
City	RED OAK
State	IA
Zip	51566-2629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RR ADD W 45' LT 5 BLK 27
Legal Block	27
Legal Lot Number	5
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	1
Census Block	1152
Census Tract	960300

Owner

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	Individual Name on Record
Mailing Address	310 3RD AVE, RED OAK, IA 51566-2629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Warranty Deed, Transfer · FHA Mortgage NEIGHBORS BANK
Jul 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage MALVERN FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Feb 27, 2024
Property Address	310 3RD AVE, RED OAK, IA 51566-2629
Document Number	002024/253
Book / Page	2024 / 253
Instrument Date	Feb 23, 2024
Instrument	2024 253
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 3RD AVE, RED OAK, IA 51566-2629

Mortgage

Document Number	0002024254
Date	Feb 27, 2024
Instrument	2024 254

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Mortgage

Document Number	002024/255
Date	Feb 27, 2024
Book Page	2024/255
Instrument	2024 255

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2034

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	310 3RD AVE, RED OAK, IA 51566-2629
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/981
Date	Jul 14, 2023
Book Page	2023/981
Instrument	2023 0981

Lender

Name	MALVERN FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8%

Tax Assessment & Valuation

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	$1,626.00 (+7.4%) Homeowner's exemption	$85,340 (+14.2%) Land $4,500 Building $80,840	$85,340 (+14.2%) Land $4,500 Building $80,840
2024	$1,514.00 (+58.37%)
2023		$74,730 Land $3,380 Building $71,350	$74,730 Land $3,380 Building $71,350
2022	$956.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 1, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	4 (2007–2019)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: FMTC of Stanton Iowa.

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