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

Montgomery County property record for 401 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,792 sqft · built 1940
Lot Size	0.231 acres (10,080 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,112,000 (Jun 2010)
Tax Bill	$2,372 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2020 Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`600628141015000`

Property Details

APN / Parcel Number

Primary APN	`600628141015000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Finished Basement	425 sqft
Unfinished Basement	466 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,080 sqft (0.231 acres)
Lot Dimensions	112 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	82 sqft
Deck Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 E JOY ST
City	RED OAK
State	IA
Zip	51566-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LTS 5 & 6 BLK 4
Legal Subdivision	ORIGINAL PLAT OF THE CITY OF RED OAK
Legal Block	4
Legal Lot Number	5,6
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2121
Census Tract	960300

Owner

Source: Montgomery County records, as of December 2, 2025

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	401 E JOY ST, RED OAK, IA 51566-1817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2010 · Amount on Record
Deed Sale	Jun 23, 2010 · Amount on Record
Prior Sale	Jul 9, 2007 · Amount on Record
Deed Document Number	2010330 0204
Deed Book / Page	330 / 204
Prior Transfer Date	Apr 14, 2005
Prior Transfer Doc	0283/0887
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	401 E JOY ST, RED OAK, IA 51566-1817
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1071
Date	Jul 28, 2023
Book Page	2023/1071
Instrument	2023 1071

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	401 E JOY ST, RED OAK, IA 51566-1817
Transaction Type	Mortgage
Record Updated	Aug 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/893
Date	May 27, 2020
Book Page	2020/893
Instrument	2020 0893

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

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	$2,372.00 Homeowner's exemption	$176,910 (+58.92%) Land $13,230 Building $163,680	$176,910 (+58.92%) Land $13,230 Building $163,680
2024	$2,372.00 (+52.64%)
2023		$111,320 Land $8,380 Building $102,940	$111,320 Land $8,380 Building $102,940
2022	$1,554.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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	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 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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