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

Montgomery County property record for 701 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,511 sqft · built 1920
Lot Size	0.29 acres (12,656 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Jan 2019)
Tax Bill	$3,986 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`600628144005000`

Property Details

APN / Parcel Number

Primary APN	`600628144005000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,511 sqft Living Area
1st Floor Area	1,141 sqft
Basement Area	856 sqft
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,656 sqft (0.29 acres)
Lot Dimensions	112 ft deep x 113 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	130 sqft
Deck Area	275 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	701 E JOY ST
City	RED OAK
State	IA
Zip	51566-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT W/2 LT 4 & ALL LTS 5 & 6 BLK 1
Legal Block	1
Legal Lot Number	4-6
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2118
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	701 E JOY ST, RED OAK, IA 51566-1924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK IOWA
Jan 2, 2019	Warranty Deed, Transfer · Stand-Alone Refinance BANK IOWA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2019 · Amount on Record
Deed Sale	Jan 2, 2019 · Amount on Record
Deed Document Number	2019-2
Deed Book / Page	2019 / 2
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	701 E JOY ST, RED OAK, IA 51566-1924
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2048
Date	Dec 11, 2020
Book Page	2020/2048
Instrument	2020 2048

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jan 2, 2019
Property Address	701 E JOY ST, RED OAK, IA 51566-1924
Document Number	2019/2
Book / Page	2019 / 2
Instrument Date	Dec 28, 2018
Instrument	2019-2
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1128 180TH AVE, KNOXVILLE, IA 50138-8822

Mortgage

Document Number	2019/3
Date	Jan 2, 2019
Book Page	2019/3
Instrument	3

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

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		$181,710 (+0.9%) Land $22,150 Building $159,560	$181,710 (+0.9%) Land $22,150 Building $159,560
2024	$3,986.00 (+28.5%)
2023		$180,090 Land $14,950 Building $165,140	$180,090 Land $14,950 Building $165,140
2022	$3,102.00

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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