505 E Oak St, Red Oak, IA 51566 Property Records

Montgomery County property record for 505 E Oak St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,530 sqft · built 1942
Lot Size	0.285 acres (12,432 sqft)
Owner	Individual Name on Record
Tax Bill	$2,668 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`600621380006000`

Property Details

APN / Parcel Number

Primary APN	`600621380006000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,432 sqft (0.285 acres)
Lot Dimensions	148 ft deep x 84 ft wide
Garage Type	Detached
Garage Area	180 sqft
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	505 E OAK ST
City	RED OAK
State	IA
Zip	51566-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK ADD LT 9 & E 41' LT 8 BLK 1
Legal Subdivision	OAK ADD
Legal Block	1
Legal Lot Number	8,9
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2036
Census Tract	960300

Owner

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

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	505 E OAK ST, RED OAK, IA 51566-1640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
	Deed of Trust, Mortgage
Sep 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	505 E OAK ST, RED OAK, IA 51566-1640
Transaction Type	Mortgage
Record Updated	Feb 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 E OAK ST, RED OAK, IA 51566-1640

Mortgage

Document Number	002026/104
Date	Jan 23, 2026
Book Page	2026/104
Instrument	2026 0104

Lender

Name	BANK IOWA
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	505 E OAK ST, RED OAK, IA 51566-1640
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	505 E OAK ST, RED OAK, IA 51566-1640
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1425
Date	Sep 2, 2022
Book Page	2022/1425
Instrument	2022 1425

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,668.00 (+49.89%) Homeowner's exemption	$133,110 (+54.58%) Land $11,460 Building $121,650	$133,110 (+54.58%) Land $11,460 Building $121,650
2024	$1,780.00 (+38.41%)
2023		$86,110 Land $8,990 Building $77,120	$86,110 Land $8,990 Building $77,120
2022	$1,286.00

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 Zone	Zone X reduced by levee · depends on levee performance
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	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 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.

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 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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