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

Montgomery County property record for 605 E Prospect St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,499 sqft · built 1895
Lot Size	0.309 acres (13,500 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Mar 2023)
Tax Bill	$1,850 (2024)
Deeds & Mortgages	Jan 2017 Mortgage Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`600628136012000`

Property Details

APN / Parcel Number

Primary APN	`600628136012000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,499 sqft Living Area
1st Floor Area	1,051 sqft
Attic	Attic
Attic Area	183 sqft
Basement Area	646 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1895
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,500 sqft (0.309 acres)
Lot Dimensions	180 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	964 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	605 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD E 15' LT 2 & ALL LT 3 BLK 93
Legal Block	93
Legal Lot Number	2,3
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 October 1, 2025

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	605 E PROSPECT ST, RED OAK, IA 51566-1625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage SOUTHWEST IOWA HOUSING TRUST FUND
Dec 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Aug 29, 2006 · Amount on Record
Deed Document Number	2023-383
Deed Book / Page	0298 / 0520
Prior Transfer Date	Aug 23, 2010
Prior Transfer Doc	0331 0658
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	605 E PROSPECT ST, RED OAK, IA 51566-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0109
Date	Jan 17, 2017
Book Page	2017/0109
Instrument	2017 0109

Lender

Name	SOUTHWEST IOWA HOUSING TRUST FUND
Type	Lending Institution
Address	SIOUX CITY, IA 51106

Agreement

Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	605 E PROSPECT ST, RED OAK, IA 51566-1625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1876
Date	Dec 17, 2019
Book Page	2019/1876
Instrument	1876

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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		$108,930 (+22.26%) Land $14,280 Building $94,650	$108,930 (+22.26%) Land $14,280 Building $94,650
2024	$1,850.00 (+25.68%)
2023		$89,100 Land $12,600 Building $76,500	$89,100 Land $12,600 Building $76,500
2022	$1,472.00

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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