Montgomery County property record for 501 E Prospect St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,349 sqft · built 1911 |
| Lot Size | 0.105 acres (4,590 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,000 (Oct 2022) |
| Tax Bill | $2,418 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 600628135008000 |
| Primary APN | 600628135008000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,349 sqft Living Area |
| 1st Floor Area | 930 sqft |
| Attic | Attic |
| Attic Area | 419 sqft |
| Basement Area | 930 sqft |
| Finished Basement | 930 sqft |
| Unfinished Basement | 930 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,590 sqft (0.105 acres) |
| Lot Dimensions | 90 ft deep x 51 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 501 E PROSPECT ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1623 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE ADD S 90' E 36' LT 6 & S 90' W 15' LT 7 BLK 94 |
| Legal Subdivision | NORTHEASTERN ADDITION |
| Legal Block | 94 |
| Legal Lot Number | 6,7 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2093 |
| Census Tract | 960300 |
501 E Prospect St is owned and occupied by an individual who bought it in October 2022.
Source: Montgomery County records, as of September 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 501 E PROSPECT ST, RED OAK, IA 51566-1623 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2022 · Amount on File |
| Deed Sale | Oct 6, 2022 · Amount on File |
| Deed Document Number | 20221570 |
| Deed Book / Page | 2022 / 1570 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 501 E PROSPECT ST, RED OAK, IA 51566-1623 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/1571 |
|---|---|
| Date | Oct 6, 2022 |
| Book Page | 2022/1571 |
| Instrument | 2022 1571 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 501 E Prospect St was $2,418, up 31% 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 | $2,418.00 (+30.99%) | $110,720 Land $6,890 Building $103,830 | $110,720 Land $6,890 Building $103,830 |
| 2024 | $1,846.00 | ||
| 2023 | $78,700 Land $4,590 Building $74,110 | $78,700 Land $4,590 Building $74,110 | |
| 2022 | $634.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 501 E Prospect St in Zone X, an area of moderate flood risk, though there have been 7 flood claims nearby since 1987.
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 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 501 E Prospect 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 365 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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