407 N 6th St, Red Oak, IA 51566 Property Records

Montgomery County property record for 407 N 6th St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 777 sqft · built 1957
Lot Size	0.092 acres (4,000 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Oct 2023)
Tax Bill	$1,432 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`600628327005000`

Property Details

APN / Parcel Number

Primary APN	`600628327005000`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	777 sqft Living Area
Basement Area	777 sqft
Unfinished Basement	777 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	4,000 sqft (0.092 acres)
Lot Dimensions	80 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	306 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	407 N 6TH ST
City	RED OAK
State	IA
Zip	51566-2465
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT S 50' LTS 1 & 2 (EX W 10' S 50' LT 2) BLK 46
Legal Subdivision	RED OAK
Legal Block	46
Legal Lot Number	1,2
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	1
Census Block	1017
Census Tract	960300

Owner

407 N 6th St is owned and occupied by an individual who bought it in October 2023.

Source: Montgomery County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	407 N 6TH ST, RED OAK, IA 51566-2465
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023 · Amount on File
Deed Sale	Oct 31, 2023 · Amount on File
Deed Document Number	20231522
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Oct 31, 2023
Property Address	407 N 6TH ST, RED OAK, IA 51566-2465
Document Number	02023/1522
Book / Page	2023 / 1522
Instrument Date	Oct 16, 2023
Instrument	2023 1522
Transaction Type	Transfer
Record Updated	Dec 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 N 6TH ST, RED OAK, IA 51566-2465

Mortgage

Document Number	0020231523
Date	Oct 31, 2023
Instrument	2023 1523

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 407 N 6th St was $1,432 with a homeowner's exemption, up 33.8% from the year before.

Source: Montgomery County assessment roll, as of October 2, 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	$1,432.00 (+33.83%) Homeowner's exemption	$76,480 Land $6,300 Building $70,180	$76,480 Land $6,300 Building $70,180
2024	$1,070.00
2023		$55,800 Land $4,200 Building $51,600	$55,800 Land $4,200 Building $51,600
2022	$1,008.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 407 N 6th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 1, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	4 (2007–2019)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 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

Wildfire risk around 407 N 6th St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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