Montgomery County property record for 404 E Joy St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,404 sqft · built 1923 |
| Lot Size | 0.115 acres (5,040 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,172 (2024) |
| Deeds & Mortgages | Sep 2020 Foreclosure Sep 2020 Foreclosure |
| Flood Zone | Zone X (moderate risk) |
| APN | 600628176003000 |
| Primary APN | 600628176003000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 1,008 sqft |
| Attic | Attic |
| Attic Area | 396 sqft |
| Basement Area | 1,008 sqft |
| Finished Basement | 430 sqft |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,040 sqft (0.115 acres) |
| Lot Dimensions | 112 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 54 sqft |
| Deck Area | 198 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 404 E JOY ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG PLAT LT 4 BLK 13 |
| Legal Block | 13 |
| Legal Lot Number | 4 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2130 |
| Census Tract | 960300 |
Source: Montgomery County records, as of October 1, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 404 E JOY ST, RED OAK, IA 51566-1818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 2, 2020 | Legal Action/Court Order, Foreclosure |
| Sep 2, 2020 | Legal Action/Court Order, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Prior Sale | Sep 2, 2020 |
| Record Updated | Jun 8, 2026 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Sep 2, 2020 |
| Property Address | 404 E JOY ST, RED OAK, IA 51566-1818 |
| Document Number | 02020/1518 |
| Book / Page | 2020 / 1518 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 2020 1518 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 E JOY ST, RED OAK, IA 51566-1818 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Sep 2, 2020 |
| Property Address | 404 E JOY ST, RED OAK, IA 51566-1818 |
| Document Number | 02020/1519 |
| Book / Page | 2020 / 1519 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 2020 1519 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 3, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 E JOY ST, RED OAK, IA 51566-1818 |
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 | $142,880 (+38.97%) Land $6,620 Building $136,260 | $142,880 (+38.97%) Land $6,620 Building $136,260 | |
| 2024 | $2,172.00 (+95.68%) | ||
| 2023 | $102,810 Land $4,410 Building $98,400 | $102,810 Land $4,410 Building $98,400 | |
| 2022 | $1,110.00 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
|
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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