Montgomery County property record for 402 E Elm St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 1,456 sqft · built 1910 |
| Lot Size | 0.128 acres (5,580 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,493 (2024) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600628134002000 |
| Primary APN | 600628134002000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 13 Rooms |
| Stories | 2 Stories |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 728 sqft |
| Basement Area | 728 sqft |
| Finished Basement | 364 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,580 sqft (0.128 acres) |
| Lot Dimensions | 124 ft deep x 45 ft wide |
| Garage Type | Mixed |
| Garage Area | 352 sqft |
| Carport | Carport |
| Carport Area | 448 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 72 sqft |
| Deck Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 402 E ELM ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | QUINBY ADD E 45' LT 3 BLK 4 |
| Legal Block | 4 |
| Legal Lot Number | 3 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2083 |
| Census Tract | 960300 |
Source: Montgomery County records, as of October 1, 2025
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 File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 402 E ELM ST, RED OAK, IA 51566-1508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 8, 2016 |
| Transfer Doc | 2016/1224 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 402 E ELM ST, RED OAK, IA 51566-1508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1434 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 2021/1434 |
| Instrument | 2021 1434 |
| Name | GREAT WESTERN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 10, 2031 |
| Rate Type | Adjustable Rate |
|---|
Source: Montgomery County assessment roll, as of May 1, 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 | $152,100 (+43.13%) Land $6,820 Building $145,280 | $152,100 (+43.13%) Land $6,820 Building $145,280 | |
| 2024 | $2,493.00 | ||
| 2023 | $106,270 Land $4,550 Building $101,720 | $106,270 Land $4,550 Building $101,720 |
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 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 |
|
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 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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