606 E Joy St, Red Oak, IA 51566 Property Records

Montgomery County property record for 606 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,744 sqft · built 1915
Lot Size	0.115 acres (5,040 sqft)
Owner	Individual Name on Record
Last Sale	$47,500 (Mar 2018)
Tax Bill	$1,910 (2024)
Deeds & Mortgages	Mar 2018 Mortgage Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`600628178003000`

Property Details

APN / Parcel Number

Primary APN	`600628178003000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,744 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,040 sqft (0.115 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Porch	Open Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	606 E JOY ST
City	RED OAK
State	IA
Zip	51566-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 3 BLK 15
Legal Block	15
Legal Lot Number	3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2132
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
Co-owner	Co-owner on Record
Mailing Address	606 E JOY ST, RED OAK, IA 51566-1923
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2018	Deed of Trust, Mortgage BANK IOWA
Mar 23, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on Record
Deed Sale	Mar 23, 2018 · Amount on Record
Prior Sale	Jun 13, 2008 · Amount on Record
Deed Document Number	000000000436
Deed Book / Page	2018 / 436
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	606 E JOY ST, RED OAK, IA 51566-1923
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000437
Date	Mar 23, 2018
Book Page	0000002018/0000000437
Instrument	000000000437

Lender

Name	BANK IOWA
Type	Bank

Agreement

Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Mar 23, 2018
Property Address	606 E JOY ST, RED OAK, IA 51566-1923
Document Number	002018/436
Book / Page	2018 / 436
Instrument Date	Mar 21, 2018
Instrument	000000000436
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 EJOY ST, RED OAK, IA 51566
Investor	Possibly a Property Investor

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		$90,070 (-1.67%) Land $8,820 Building $81,250	$90,070 (-1.67%) Land $8,820 Building $81,250
2024	$1,910.00 (+14.92%)
2023		$91,600 Land $6,620 Building $84,980	$91,600 Land $6,620 Building $84,980
2022	$1,662.00

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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