Montgomery County property record for 320 E Coolbaugh St, Red Oak, IA 51566
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4,133 sqft · built 1905 |
| Lot Size | 0.066 acres (2,880 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $80,000 (Sep 2021) |
| Tax Bill | $2,408 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 600628304010000 |
| Primary APN | 600628304010000 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,133 sqft Gross Area |
| Basement Area | 1,944 sqft |
| Unfinished Basement | 1,944 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Exterior Material | Brick |
| Roof Material | Urethane Foam |
| Lot Area | 2,880 sqft (0.066 acres) |
| Lot Dimensions | 120 ft deep x 24 ft wide |
| Total Buildings | 3 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 320 E COOLBAUGH ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-2318 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | ORIG PLAT ORIG PLAT W 24' LT 1 BLK 44 W 24' LT 1 BLK 44 |
| Legal Subdivision | CITY OF RED OAK |
| Legal Block | 44 |
| Legal Lot Number | 1 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 960300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Red Oak Downtown Historic District listed 2016 · 74 contributing resources · NRIS 16000868 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | Individual Name on Record |
|---|---|
| Mailing Address | 320 E COOLBAUGH ST, RED OAK, IA 51566-2318 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2021 · Amount on Record |
| Deed Sale | Sep 30, 2021 · Amount on Record |
| Deed Document Number | 20211749 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 320 E COOLBAUGH ST, RED OAK, IA 51566-4302 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1755 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 2021/1755 |
| Instrument | 2021 1755 |
| Name | BANK IOWA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 10, 2036 |
| Rate Type | Adjustable Rate |
|---|
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 | $2,408.00 (+0.67%) | $110,280 (+8.18%) Land $6,000 Building $104,280 | $110,280 (+8.18%) Land $6,000 Building $104,280 |
| 2024 | $2,392.00 (+28.88%) | ||
| 2023 | $101,940 Land $6,000 Building $95,940 | $101,940 Land $6,000 Building $95,940 | |
| 2022 | $1,856.00 |
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 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 |
|
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 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.
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