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

Montgomery County property record for 406 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,512 sqft · built 1911
Lot Size	0.115 acres (5,040 sqft)
Owner	Individual Name on Record
Tax Bill	$2,502 (2024)
Deeds & Mortgages	Oct 2007 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`600628176004000`

Property Details

APN / Parcel Number

Primary APN	`600628176004000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
1st Floor Area	744 sqft
Basement Area	744 sqft
Game Room	Game Room
Interior Walls	Plaster

Exterior

Year Built	Built 1911
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,040 sqft (0.115 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Deck Area	242 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	406 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 3 BLK 13
Legal Block	13
Legal Lot Number	3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2130
Census Tract	960300

Owner

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	1211 IRENE CT, RED OAK, IA 51566-1211
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2007	Deed of Trust, Mortgage · USDA Mortgage USDA
Nov 18, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 18, 2019
Transfer Doc	2019/1706
Record Updated	Jun 8, 2026

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	406 E JOY ST, RED OAK, IA 51566-1818
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00308/0750
Date	Oct 18, 2007
Book Page	0308/0750
Instrument	0308 0750

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Oct 18, 2040

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Nov 18, 2019
Property Address	406 E JOY ST, RED OAK, IA 51566-1818
Document Number	2019/1706
Book / Page	2019 / 1706
Instrument Date	Oct 28, 2019
Instrument	1706
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1211 IRENE CT, RED OAK, IA 51566-1211

Mortgage

Document Number	1707
Date	Nov 18, 2019
Instrument	1707

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	02019/1706
Date	Nov 18, 2019
Book Page	2019/1706
Instrument	1706

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 1, 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		$148,400 (+39.13%) Land $6,620 Building $141,780	$148,400 (+39.13%) Land $6,620 Building $141,780
2024	$2,502.00 (+49.82%)
2023		$106,660 Land $4,410 Building $102,250	$106,660 Land $4,410 Building $102,250
2022	$1,670.00

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 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	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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