507 E Elm St, Red Oak, IA 51566 Property Records

Montgomery County property record for 507 E Elm St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 1956
Lot Size	0.158 acres (6,875 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Feb 2026)
Tax Bill	$2,774 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Sep 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`600628131008000`

Property Details

APN / Parcel Number

Primary APN	`600628131008000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
Basement Area	1,116 sqft
Finished Basement	1,116 sqft
Unfinished Basement	716 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,875 sqft (0.158 acres)
Lot Dimensions	125 ft deep x 55 ft wide
Garage Type	Mixed
Garage Area	506 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	180 sqft
Patio Area	119 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	507 E ELM ST
City	RED OAK
State	IA
Zip	51566-1611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUINBY ADD E 55' LT 7 BLK 6
Legal Subdivision	QUINBY ADD
Legal Block	6
Legal Lot Number	7
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2077
Census Tract	960300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	507 E ELM ST, RED OAK, IA 51566-1611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2018	Deed of Trust, Mortgage HOUGHTON STATE BANK
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Jul 23, 2014	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Aug 29, 2016	Deed of Trust, Mortgage · Commercial Mortgage BANK IOWA
Feb 23, 2026	Warranty Deed, Transfer
Nov 21, 2017	Warranty Deed, Transfer
May 14, 2010	Special Warranty Deed, Transfer · Conventional Mortgage HOUGHTON STATE BANK
Aug 19, 2005	Warranty Deed, Transfer · Conventional Mortgage TIERONE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2026 · Amount on File
Deed Sale	Feb 23, 2026 · Amount on File
Prior Sale	Nov 21, 2017 · Amount on File
Deed Document Number	2026267
Deed Book / Page	2026 / 267
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000130
Date	Jan 29, 2018
Book Page	0000002018/0000000130
Instrument	000000000130

Lender

Name	HOUGHTON STATE BANK
Type	Bank

Agreement

Amount	Amount on Record

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1618
Date	Sep 9, 2021
Book Page	2021/1618
Instrument	2021 1618

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02014/1132
Date	Jul 23, 2014
Book Page	2014/1132
Instrument	2014 1132

Lender

Name	BANK IOWA
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02016/1355
Date	Aug 29, 2016
Book Page	2016/1355
Instrument	2016 1355

Lender

Name	BANK IOWA
Type	Bank
Address	RED OAK, IA 51566

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 23, 2021

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Feb 23, 2026
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Document Number	002026/267
Book / Page	2026 / 267
Instrument Date	Feb 23, 2026
Instrument	2026 0267
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$183.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 E ELM ST, RED OAK, IA 51566-1611

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Nov 21, 2017
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Document Number	02017/1851
Book / Page	2017 / 1851
Instrument Date	Nov 17, 2017
Instrument	2017 1851
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	507 E ELM ST, RED OAK, IA 51566-1611

May 2010: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	May 14, 2010
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Document Number	00329/0299
Book / Page	0329 / 0299
Instrument Date	May 14, 2010
Instrument	0329 0299
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	507 E ELM ST, RED OAK, IA 51566-1611

Mortgage

Document Number	00329/0302
Date	May 14, 2010
Book Page	0329/0302
Instrument	0329 0302

Lender

Name	HOUGHTON STATE BANK
Address	RED OAK, IA 51566

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 14, 2011

August 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Aug 19, 2005
Property Address	507 E ELM ST, RED OAK, IA 51566-1611
Document Number	00287/0422
Book / Page	0287 / 0422
Instrument Date	Aug 12, 2005
Instrument	2005 0351
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 E ELM ST, CRESCENT, IA 51526
Investor	Possibly a Property Investor

Mortgage

Document Number	0020050352
Date	Aug 19, 2005
Instrument	2005 0352

Lender

Name	TIERONE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2035

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	$2,774.00 (+34.53%) Homeowner's exemption	$152,520 (+36.37%) Land $8,330 Building $144,190	$152,520 (+36.37%) Land $8,330 Building $144,190
2024	$2,062.00 (+30.84%)
2023		$111,840 Land $5,560 Building $106,280	$111,840 Land $5,560 Building $106,280
2022	$1,576.00

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 minimal risk
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	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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