Montgomery County property record for 409 E Reed St, Red Oak, IA 51566
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3,570 sqft · built 1900 |
| Lot Size | 0.059 acres (2,576 sqft) |
| Owner | Individual Name on File |
| Last Sale | $16,500 (Apr 2016) |
| Tax Bill | $984 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 600628184006000 |
| Primary APN | 600628184006000 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,570 sqft Gross Area |
| Basement Area | 1,518 sqft |
| Unfinished Basement | 1,518 sqft |
| Overhead Door | Overhead Door |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Brick |
| Roof Material | Urethane Foam |
| Lot Area | 2,576 sqft (0.059 acres) |
| Lot Dimensions | 112 ft deep x 23 ft wide |
| Total Buildings | 3 Buildings |
| Heating System | Steam |
|---|---|
| Water Source | Commercial |
| Street Address | 409 E REED ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-2331 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | ORIG PLAT ORIG PLAT W/2 LT 9 BLK 29 W/2 LT 9 BLK 29 |
| Legal Block | 29 |
| Legal Lot Number | 9 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2155 |
| Census Tract | 960300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Red Oak Downtown Historic District listed 2016 · 74 contributing resources · NRIS 16000868 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
409 E Reed St, a commercial property, is owned by an individual who bought it in April 2016.
Source: Montgomery County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 501 OHIO AVE, RED OAK, IA 51566-2738 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 27, 2016 · Amount on File |
| Deed Sale | Apr 27, 2016 · Amount on File |
| Deed Document Number | 2016596 |
| Deed Book / Page | 2016 / 596 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 409 E Reed St was $984, up 0.4% 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 | $984.00 (+0.41%) | $45,090 Land $3,380 Building $41,710 | $45,090 Land $3,380 Building $41,710 |
| 2024 | $980.00 | ||
| 2023 | $41,740 Land $3,380 Building $38,360 | $41,740 Land $3,380 Building $38,360 | |
| 2022 | $970.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 E Reed 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 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.
The area around 409 E Reed St has no burnable land within ember reach, so its wildfire risk is not rated.
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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