Montgomery County property record for 405 E Oak St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,017 sqft · built 1900 |
| Lot Size | 0.146 acres (6,364 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,456 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2017 Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 600621379007000 |
| Primary APN | 600621379007000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,017 sqft Living Area |
| Basement Area | 1,017 sqft |
| Finished Basement | 1,017 sqft |
| Unfinished Basement | 1,017 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,364 sqft (0.146 acres) |
| Lot Dimensions | 148 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 102 sqft |
| Deck Area | 86 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 405 E OAK ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK ADD LT 9 BLK 2 |
| Legal Subdivision | OAK ADD |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 960300 |
405 E Oak St is owned and occupied by an individual.
Source: Montgomery County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 E OAK ST, RED OAK, IA 51566-1549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jul 5, 2017 | Deed of Trust, Mortgage GREAT WESTERN BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 405 E OAK ST, RED OAK, IA 51566-1549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02020/1115 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 2020/1115 |
| Instrument | 2020 1115 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 405 E OAK ST, RED OAK, IA 51566-1549 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/1036 |
|---|---|
| Date | Jul 5, 2017 |
| Book Page | 2017/1036 |
| Instrument | 2017 1036 |
| Name | GREAT WESTERN BANK |
|---|---|
| Type | Bank |
| Address | RED OAK, IA 51566 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 405 E Oak St was $2,456, up 18.5% from the year before.
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 | $2,456.00 (+18.53%) | $112,440 Land $6,900 Building $105,540 | $112,440 Land $6,900 Building $105,540 |
| 2024 | $2,072.00 | ||
| 2023 | $88,340 Land $4,600 Building $83,740 | $88,340 Land $4,600 Building $83,740 | |
| 2022 | $1,284.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 E Oak St in Zone X, where a levee reduces flood risk, though there have been 7 flood claims nearby since 1987.
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.
Wildfire risk around 405 E Oak St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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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