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

Montgomery County property record for 603 E Elm St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,822 sqft · built 1912
Lot Size	0.186 acres (8,125 sqft)
Owner	Individual Name on File
Tax Bill	$2,616 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`600628132007000`

Property Details

APN / Parcel Number

Primary APN	`600628132007000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,822 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1912
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,125 sqft (0.186 acres)
Lot Dimensions	125 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	32 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	603 E ELM ST
City	RED OAK
State	IA
Zip	51566-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUINBY ADD LT 6 BLK 7
Legal Block	7
Legal Lot Number	6
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2078
Census Tract	960300

Owner

603 E Elm St is owned and occupied by an individual who acquired it in October 2009.

Source: Montgomery County records, as of October 1, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	603 E ELM ST, RED OAK, IA 51566-1613
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Jul 28, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Jan 8, 2018	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 20, 2009
Transfer Doc	0324/0611
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	603 E ELM ST, RED OAK, IA 51566-1613
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E ELM ST, RED OAK, IA 51566-1613

Mortgage

Document Number	02025/1451
Date	Oct 9, 2025
Book Page	2025/1451
Instrument	2025 1451

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	TEMPE, AZ 85288

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	603 E ELM ST, RED OAK, IA 51566-1613
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1333
Date	Jul 28, 2021
Book Page	2021/1333
Instrument	2021 1333

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	603 E ELM ST, RED OAK, IA 51566-1613
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/0044
Date	Jan 8, 2018
Book Page	2018/0044
Instrument	2018 0044

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of May 1, 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		$154,160 Land $13,130 Building $141,030	$154,160 Land $13,130 Building $141,030
2024	$2,616.00
2023		$130,110 Land $9,850 Building $120,260	$130,110 Land $9,850 Building $120,260
2022	$2,050.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 603 E Elm St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1987.

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

The area around 603 E Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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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