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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,562 sqft · built 1910
Lot Size	0.183 acres (7,972 sqft)
Owner	Individual Name on Record
Last Sale	$61,000 (May 2006)
Tax Bill	$3,896 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628136011000`

Property Details

APN / Parcel Number

Primary APN	`600628136011000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,562 sqft Living Area
1st Floor Area	1,142 sqft
Attic	Attic
Attic Area	420 sqft
Basement Area	571 sqft
Finished Basement	571 sqft
Unfinished Basement	571 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,972 sqft (0.183 acres)
Lot Dimensions	179 ft deep x 179 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	24 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	603 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD SL1 LT 2 (EX W 19 1/2' N 56' & EX E 15') AND E 8' LT 2 (EX N 56') BLK 93
Legal Subdivision	NORTHEASTERN ADDITION
Legal Block	93
Legal Lot Number	2
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2094
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	Individual Name on Record
Mailing Address	603 E PROSPECT ST, RED OAK, IA 51566-1625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2022	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL CO
Apr 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOUGHTON STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2006 · Amount on Record
Deed Sale	May 15, 2006 · Amount on Record
Deed Document Number	2006295 0780
Deed Book / Page	295 / 780
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	603 E PROSPECT ST, RED OAK, IA 51566-1625
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1007
Date	Jun 21, 2022
Book Page	2022/1007
Instrument	2022 1007

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	603 E PROSPECT ST, RED OAK, IA 51566-1625
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/693
Date	Apr 15, 2021
Book Page	2021/693
Instrument	2021 0693

Lender

Name	HOUGHTON STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$3,896.00 (+35.56%)	$178,410 (+45.71%) Land $11,260 Building $167,150	$178,410 (+45.71%) Land $11,260 Building $167,150
2024	$2,874.00 (+142.33%)
2023		$122,440 Land $8,440 Building $114,000	$122,440 Land $8,440 Building $114,000
2022	$1,186.00

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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