400 E Elm St, Red Oak, IA 51566 Property Records

Montgomery County property record for 400 E Elm St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,264 sqft · built 1900
Lot Size	0.245 acres (10,664 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,058 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2025 Second Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`600628134001000`

Property Details

APN / Parcel Number

Primary APN	`600628134001000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,264 sqft Living Area
1st Floor Area	1,132 sqft
Basement Area	1,132 sqft
Unfinished Basement	1,140 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,664 sqft (0.245 acres)
Lot Dimensions	124 ft deep x 86 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	322 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	400 E ELM ST
City	RED OAK
State	IA
Zip	51566-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUINBY ADD LT 4 & W 20 1/4' LT 3 BLK 4
Legal Subdivision	QUINBY ADD
Legal Block	4
Legal Lot Number	3,4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2083
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	2 Individual Names on File
Mailing Address	400 E ELM ST, RED OAK, IA 51566-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Line of Credit CENTRIS FEDERAL CREDIT UNION
Oct 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Recording Date	Jul 2, 2026
Property Address	400 E ELM ST, RED OAK, IA 51566-1508
Document Number	0000000911
Book / Page	2026 / 911
Instrument Date	Jun 3, 2026
Instrument	2026911
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E ELM ST, RED OAK, IA 51566-1508

Mortgage

Document Number	0000000911,
Date	Jul 2, 2026
Book Page	2026/911
Instrument	2026911

Lender

Name	CENTRIS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.37%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	400 E ELM ST, RED OAK, IA 51566-1508
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E ELM ST, RED OAK, IA 51566-1508

Mortgage

Document Number	02025/1469
Date	Oct 10, 2025
Book Page	2025/1469
Instrument	2025 1469

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2035

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	400 E ELM ST, RED OAK, IA 51566-1508
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1935
Date	Dec 6, 2017
Book Page	2017/1935
Instrument	2017 1935

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2032

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	$3,058.00 (+34.83%) Homeowner's exemption	$165,560 (+37.26%) Land $11,080 Building $154,480	$165,560 (+37.26%) Land $11,080 Building $154,480
2024	$2,268.00 (+31.71%)
2023		$120,620 Land $8,690 Building $111,930	$120,620 Land $8,690 Building $111,930
2022	$1,722.00

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 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

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 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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