Montgomery County property record for 409 E Joy St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,680 sqft · built 1907 |
| Lot Size | 0.115 acres (5,040 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $88,000 (Jul 2019) |
| Tax Bill | $2,662 (2024) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 600628141012000 |
| Primary APN | 600628141012000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1907 |
|---|---|
| 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 | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 240 sqft |
| Deck Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 409 E JOY ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG PLAT LT 2 BLK 4 |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2121 |
| 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 |
|---|---|
| Mailing Address | 409 E JOY ST, RED OAK, IA 51566-1817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2019 · Amount on Record |
| Deed Sale | Jul 26, 2019 · Amount on Record |
| Deed Document Number | 2019-1089 |
| Deed Book / Page | 2019 / 1089 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Jul 26, 2019 |
| Property Address | 409 E JOY ST, RED OAK, IA 51566-1817 |
| Document Number | 02019/1089 |
| Book / Page | 2019 / 1089 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 1089 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 E JOY ST, RED OAK, IA 51566-1817 |
| Document Number | 02019/1090 |
|---|---|
| Date | Jul 26, 2019 |
| Book Page | 2019/1090 |
| Instrument | 1090 |
| Name | IOWA BANKERS MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
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 | $167,990 (+35.86%) Land $6,620 Building $161,370 | $167,990 (+35.86%) Land $6,620 Building $161,370 | |
| 2024 | $2,662.00 (+55.13%) | ||
| 2023 | $123,650 Land $4,410 Building $119,240 | $123,650 Land $4,410 Building $119,240 | |
| 2022 | $1,716.00 |
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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