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407 E Prospect St, Red Oak, IA 51566 Property Records

Montgomery County property record for 407 E Prospect St, Red Oak, IA 51566

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,000 sqft · built 1920
Lot Size0.124 acres (5,400 sqft)
OwnerIndividual Name on Record
Last Sale$60,000 (Apr 2024)
Tax Bill$2,072 (2025)
Deeds & MortgagesOct 2018 Mortgage
Oct 2018 Mortgage
Flood ZoneZone X (reduced by levee)
APN600628134009000

Property Details

APN / Parcel Number

Primary APN600628134009000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,000 sqft Living Area
1st Floor Area880 sqft
Basement Area440 sqft
Unfinished Basement440 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Exterior MaterialVinyl
Construction TypeFrame
Foundation TypeBrick
Roof TypeHip
Roof MaterialAsphalt
Lot Area5,400 sqft (0.124 acres)
Lot Dimensions120 ft deep x 45 ft wide
Garage TypeDetached
Garage Area432 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area71 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
Water SourceCommercial

Location & Zoning

Street Address407 E PROSPECT ST
CityRED OAK
StateIA
Zip51566-1534
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNE ADD W 45' S 120' LT 4 BLK 94
Legal SubdivisionNORTHEASTERN ADDITION
Legal Block94
Legal Lot Number4
JurisdictionMONTGOMERY IA
Township / Civil DivisionRED OAK
Census Block Group2
Census Block2092
Census Tract960300

Owner

Source: Montgomery County records, as of October 12, 2026

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 RecordIndividual Name on Record
Mailing Address407 E PROSPECT ST, RED OAK, IA 51566-1534
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 3, 2018Deed of Trust, Mortgage
SOUTHWEST IOWA HOUSING TRUST FUND
Oct 3, 2018Deed of Trust, Mortgage
RED OAK CITY OF

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 26, 2024 · Amount on Record
Deed SaleApr 26, 2024 · Amount on Record
Deed Document Number2024563
Deed Book / Page2024 / 563
Prior Transfer DateApr 16, 2024
Prior Transfer Doc0000000501
Record UpdatedOct 29, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY IA
Property Address407 E PROSPECT ST, RED OAK, IA 51566-1534
Transaction TypeMortgage
Record UpdatedFeb 7, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000001492
DateOct 3, 2018
Book Page0000002018/0000001492
Instrument000000001492
Lender
NameSOUTHWEST IOWA HOUSING TRUST FUND
TypeLending Institution
Agreement
AmountAmount Recorded

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY IA
Property Address407 E PROSPECT ST, RED OAK, IA 51566-1534
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000001491
DateOct 3, 2018
Book Page0000002018/0000001491
Instrument000000001491
Lender
NameRED OAK CITY OF
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 2, 2025

Property Jurisdictions

TypeName
StateIowa
CountyMontgomery County
MunicipalityRed Oak City
Unified School DistrictRed Oak Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,072.00 (+84.67%)$94,870 (+98.47%) Land $6,750 Building $88,120$94,870 (+98.47%) Land $6,750 Building $88,120
2024$1,122.00 (+55.83%)
2023$47,800 Land $4,500 Building $43,300$47,800 Land $4,500 Building $43,300
2022$720.00

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 ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims7 (1987–2024)
Most Recent ClaimMay 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 RiskNot 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 SystemRED OAK WATER SUPPLY
serves 5,596 people · EPA ID IA6950075
Water SourceGroundwater
Last State InspectionDec 2024
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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 365 locations within half a mile, as of December 31, 2025

ProviderMax 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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