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

Montgomery County property record for 602 E Prospect St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,134 sqft · built 1957
Lot Size	0.083 acres (3,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$91,750 (May 2020)
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jun 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`600628139002000`

Property Details

APN / Parcel Number

Primary APN	`600628139002000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,134 sqft Living Area
Basement Area	1,134 sqft
Unfinished Basement	1,134 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	3,600 sqft (0.083 acres)
Lot Dimensions	80 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	28 sqft
Deck Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	602 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD E 45' N 80' LT 2 BLK 88
Legal Subdivision	NORTHEASTERN ADDITION
Legal Block	88
Legal Lot Number	2
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2115
Census Tract	960300

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 Record	2 Individual Names on Record
Mailing Address	602 E PROSPECT ST, RED OAK, IA 51566-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2017	Deed of Trust, Mortgage CITY OF RED OAK
Jun 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage HOUGHTON STATE BANK
May 18, 2020	Legal Action/Court Order, Foreclosure · Conventional Mortgage ARK LA TEX FINANCIAL SERVICES
Jan 20, 2006	Legal Action/Court Order, Foreclosure · USDA Mortgage USDA
Jan 20, 2006	Legal Action/Court Order, Foreclosure · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Prior Sale	Jan 20, 2006 · Amount on Record
Deed Document Number	2020836
Deed Book / Page	2020 / 836
Record Updated	Sep 20, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	602 E PROSPECT ST, RED OAK, IA 51566-1626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0426
Date	Feb 17, 2017
Book Page	2017/0426
Instrument	2017 0426

Lender

Name	CITY OF RED OAK
Type	Government Agency

Agreement

Amount	Amount Recorded

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	602 E PROSPECT ST, RED OAK, IA 51566-1626
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/780
Date	Jun 8, 2023
Book Page	2023/780
Instrument	2023 0780

Lender

Name	HOUGHTON STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	8%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2020
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Max Rate	14%

May 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	MONTGOMERY IA
Recording Date	May 18, 2020
Property Address	602 E PROSPECT ST, RED OAK, IA 51566-1626
Document Number	002020/836
Book / Page	2020 / 836
Instrument Date	May 15, 2020
Instrument	2020 0836
Transaction Type	Foreclosure
Record Updated	Jun 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	602 E PROSPECT ST, RED OAK, IA 51566-1626
Investor	Possibly a Property Investor

Mortgage

Document Number	002020/837
Date	May 18, 2020
Book Page	2020/837
Instrument	2020 0837

Lender

Name	ARK LA TEX FINANCIAL SERVICES
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

January 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	MONTGOMERY IA
Recording Date	Jan 20, 2006
Property Address	602 E PROSPECT ST, RED OAK, IA 51566-1626
Document Number	00292/0237
Book / Page	0292 / 0237
Instrument Date	Dec 15, 2005
Instrument	0292 0237
Transaction Type	Foreclosure
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	602 E PROSPECT ST, RED OAK, IA 51566-1626

Mortgage

Document Number	0002920240
Date	Jan 20, 2006
Instrument	0292 0240

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jan 20, 2039

January 2006: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	MONTGOMERY IA
Recording Date	Jan 20, 2006
Property Address	602 E PROSPECT ST, RED OAK, IA 51566-1626
Document Number	000292/237
Book / Page	292 / 237
Instrument Date	Dec 15, 2005
Instrument	0292 0237
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	602 E PROSPECT ST, RED OAK, IA 51566-1626

Mortgage

Document Number	0002920240
Date	Jan 20, 2006
Instrument	0292 0240

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jan 20, 2039

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	$2,296.00 Homeowner's exemption	$132,820 (+22.88%) Land $7,560 Building $125,260	$132,820 (+22.88%) Land $7,560 Building $125,260
2024	$2,296.00 (+32.72%)
2023		$108,090 Land $5,670 Building $102,420	$108,090 Land $5,670 Building $102,420
2022	$1,730.00

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 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 97% of the US · lower than 76% 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 609 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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