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

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,046 sqft · built 1910
Lot Size	0.123 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$107,500 (Dec 2019)
Tax Bill	$2,664 (2024)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628139004000`

Property Details

APN / Parcel Number

Primary APN	`600628139004000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,046 sqft Living Area
1st Floor Area	1,398 sqft
Attic	Attic
Attic Area	648 sqft
Basement Area	1,398 sqft
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,400 sqft (0.123 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	80 sqft
Deck Area	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	606 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD W/2 E 2/3 LT 3 BLK 88
Legal Block	88
Legal Lot Number	3
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 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	606 E PROSPECT ST, RED OAK, IA 51566-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2019 · Amount on Record
Deed Sale	Dec 3, 2019 · Amount on Record
Prior Sale	Oct 20, 2015 · Amount on Record
Deed Document Number	1785
Deed Book / Page	2019 / 1785
Record Updated	Jun 8, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Dec 3, 2019
Property Address	606 E PROSPECT ST, RED OAK, IA 51566-1626
Document Number	02019/1785
Book / Page	2019 / 1785
Instrument Date	Nov 4, 2019
Instrument	1785
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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 E PROSPECT ST, RED OAK, IA 51566-1626

Mortgage

Document Number	02019/1786
Date	Dec 3, 2019
Book Page	2019/1786
Instrument	1786

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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		$150,400 (+21.5%) Land $9,000 Building $141,400	$150,400 (+21.5%) Land $9,000 Building $141,400
2024	$2,664.00 (+35.37%)
2023		$123,790 Land $6,750 Building $117,040	$123,790 Land $6,750 Building $117,040
2022	$1,968.00

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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