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

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,530 sqft · built 1900
Lot Size	0.221 acres (9,620 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (May 2020)
Tax Bill	$2,310 (2025)
Deeds & Mortgages	Feb 2019 Refinance Apr 2020 Refinance + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`600621380007000`

Property Details

APN / Parcel Number

Primary APN	`600621380007000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,530 sqft Living Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Unfinished Basement	900 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,620 sqft (0.221 acres)
Lot Dimensions	148 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	888 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	192 sqft
Shed	1 Shed

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 OAK ST
City	RED OAK
State	IA
Zip	51566-1640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK ADD LT 10 & W/2 LT 11 BLK 1
Legal Subdivision	OAK ADD
Legal Block	1
Legal Lot Number	10,11
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	2 Individual Names on Record
Mailing Address	507 E OAK ST, RED OAK, IA 51566-1640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
May 22, 2020	Warranty Deed, Transfer
Feb 6, 2019	Executor's Deed, Transfer · Stand-Alone First Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2020 · Amount on Record
Deed Sale	May 22, 2020 · Amount on Record
Prior Sale	Feb 6, 2019 · Amount on Record
Deed Document Number	2020878
Deed Book / Page	2020 / 878
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	507 E OAK ST, RED OAK, IA 51566-1640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/149
Date	Feb 6, 2019
Book Page	2019/149
Instrument	149

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	507 E OAK ST, RED OAK, IA 51566-1640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/593
Date	Apr 3, 2020
Book Page	2020/593
Instrument	593

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2035

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	May 22, 2020
Property Address	507 E OAK ST, RED OAK, IA 51566-1640
Document Number	2020/878
Book / Page	2020 / 878
Instrument Date	May 22, 2020
Instrument	2020 0878
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	507 E OAK ST, RED OAK, IA 51566-1640

February 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Feb 6, 2019
Property Address	507 E OAK ST, RED OAK, IA 51566-1640
Document Number	2019/148
Book / Page	2019 / 148
Instrument Date	Jan 24, 2019
Instrument	148
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 E OAK ST, RED OAK, IA 51566-1640

Mortgage

Document Number	002019/149
Date	Feb 6, 2019
Book Page	2019/149
Instrument	149

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$2,310.00 (+17.14%) Homeowner's exemption	$131,250 (+39.24%) Land $10,430 Building $120,820	$131,250 (+39.24%) Land $10,430 Building $120,820
2024	$1,972.00 (+51.46%)
2023		$94,260 Land $6,960 Building $87,300	$94,260 Land $6,960 Building $87,300
2022	$1,302.00

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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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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