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

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

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,040 sqft · built 1900
Lot Size0.248 acres (10,800 sqft)
OwnerIndividual Name on Record
Last Sale$39,500 (Nov 2022)
Tax Bill$612 (2025)
Deeds & MortgagesNov 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN600628135011000

Property Details

APN / Parcel Number

Primary APN600628135011000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Half Baths2 Half Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,040 sqft Living Area
1st Floor Area640 sqft
Basement Area320 sqft
Finished Basement320 sqft
Unfinished Basement320 sqft
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,800 sqft (0.248 acres)
Lot Dimensions180 ft deep x 60 ft wide
Garage TypeCarport
Garage Area240 sqft
CarportCarport
Carport Area240 sqft
Parking Spaces1 Parking Space
PorchEnclosed Porch
Porch Area90 sqft
Deck Area216 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Heating FuelGas
Water SourceCommercial

Location & Zoning

Street Address507 E PROSPECT ST
CityRED OAK
StateIA
Zip51566-1623
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNE ADD LT 9 BLK 94
Legal SubdivisionNORTHEASTERN ADDITION
Legal Block94
Legal Lot Number9
JurisdictionMONTGOMERY IA
Township / Civil DivisionRED OAK
Census Block Group2
Census Block2093
Census Tract960300

Owner

Source: Montgomery County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address507 E PROSPECT ST, RED OAK, IA 51566-1623
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 14, 2022 · Amount on Record
Deed SaleNov 14, 2022 · Amount on Record
Prior SaleNov 3, 2006 · Amount on Record
Deed Document Number20221756
Deed Book / Page2022 / 1756
Prior Transfer DateOct 31, 2006
Prior Transfer Doc00300/0009
Record UpdatedJun 8, 2026

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONTGOMERY IA
Recording DateNov 14, 2022
Property Address507 E PROSPECT ST, RED OAK, IA 51566-1623
Document Number02022/1756
Book / Page2022 / 1756
Instrument DateNov 3, 2022
Instrument2022 1756
Transaction TypeTransfer
Record UpdatedOct 2, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$62.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address507 E PROSPECT ST, RED OAK, IA 51566-1623

Mortgage

Document Number0020221757
DateNov 14, 2022
Instrument2022 1757
Lender
NameACCESS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2052
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 2, 2025

Property Jurisdictions

TypeName
StateIowa
CountyMontgomery County
MunicipalityRed Oak City
Unified School DistrictRed Oak Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$612.00 Homeowner's exemption$38,080 (+4.99%) Land $10,080 Building $28,000$38,080 (+4.99%) Land $10,080 Building $28,000
2024$612.00 (+60.21%)
2023$36,270 Land $6,720 Building $29,550$36,270 Land $6,720 Building $29,550
2022$382.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Nearby Flood Policies18 in force
Nearby Flood Claims7 (1987–2024)
Most Recent ClaimMay 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 RiskNot 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 SystemRED OAK WATER SUPPLY
serves 5,596 people · EPA ID IA6950075
Water SourceGroundwater
Last State InspectionDec 2024
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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

ProviderMax 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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