Montgomery County property record for 610 E Washington Ave, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,670 sqft · built 1915 |
| Lot Size | 0.09 acres (3,915 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,464 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 600628333005000 |
| Primary APN | 600628333005000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,670 sqft Living Area |
| 1st Floor Area | 1,520 sqft |
| Basement Area | 1,564 sqft |
| Finished Basement | 1,564 sqft |
| Unfinished Basement | 1,550 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 3,915 sqft (0.09 acres) |
| Lot Dimensions | 87 ft deep x 45 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 435 sqft |
| Patio Area | 198 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 610 E WASHINGTON AVE |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-2438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG PLAT N 87' LT 1 BLK 50 |
| Legal Subdivision | CITY OF RED OAK |
| Legal Block | 50 |
| Legal Lot Number | 1 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 960300 |
610 E Washington Ave is owned and occupied by two individuals.
Source: Montgomery County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 610 E WASHINGTON AVE, RED OAK, IA 51566-2438 |
| 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.
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORPORATION |
| Jun 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | May 19, 2026 |
| Property Address | 610 E WASHINGTON AVE, RED OAK, IA 51566-2438 |
| Document Number | 0000000697 |
| Book / Page | 2026 / 697 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026697 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 610 E WASHINGTON AVE, RED OAK, IA 51566-2438 |
| Document Number | 0000000697, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 2026/697 |
| Instrument | 2026697 |
| Name | AMERISAVE MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2051 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 610 E WASHINGTON AVE, RED OAK, IA 51566-2438 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 002021/988 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 2021/988 |
| Instrument | 2021 0988 |
| Name | BANK IOWA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 610 E Washington Ave was $2,464 with a homeowner's exemption, up 24.8% from the year before.
Source: Montgomery County assessment roll, as of October 2, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Montgomery County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,464.00 (+24.82%) Homeowner's exemption | $123,700 Land $5,940 Building $117,760 | $123,700 Land $5,940 Building $117,760 |
| 2024 | $1,974.00 | ||
| 2023 | $94,340 Land $3,960 Building $90,380 | $94,340 Land $3,960 Building $90,380 | |
| 2022 | $1,374.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 610 E Washington Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 38 policies |
| Nearby Flood Policies | 38 in force |
| Nearby Flood Claims | 4 (2007–2019) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | May 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 610 E Washington Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 62% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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