Montgomery County property record for 701 E Oak St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,588 sqft · built 1910 |
| Lot Size | 0.151 acres (6,570 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Oct 2025) |
| Tax Bill | $2,990 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 600621382009000 |
| Primary APN | 600621382009000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,588 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Attic | Attic |
| Attic Area | 310 sqft |
| Basement Area | 1,278 sqft |
| Finished Basement | 380 sqft |
| Unfinished Basement | 898 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,570 sqft (0.151 acres) |
| Lot Dimensions | 146 ft deep x 45 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 701 E OAK ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLSIDE ADD LT 7 BLK 1 |
| Legal Subdivision | HILLSIDE ADD |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 960300 |
Source: Montgomery County records, as of September 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 701 E OAK ST, RED OAK, IA 51566-1644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage BANK IOWA |
| Nov 30, 2020 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT |
| Apr 9, 2020 | Deed of Trust, Mortgage · Reverse Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Jun 12, 2019 | Warranty Deed, Transfer · FHA Mortgage COBALT CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2025 · Amount on Record |
| Deed Sale | Oct 10, 2025 · Amount on Record |
| Prior Sale | May 27, 2025 · Amount on Record |
| Deed Book / Page | 2025 / 1465 |
| Prior Transfer Date | May 21, 2025 |
| Prior Transfer Doc | 002025/741 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Oct 10, 2025 |
| Property Address | 701 E OAK ST, RED OAK, IA 51566-1644 |
| Document Number | 02025/1465 |
| Book / Page | 2025 / 1465 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 2025 1465 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $263.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 701 E OAK ST, RED OAK, IA 51566-1644 |
| Document Number | 0020251466 |
|---|---|
| Date | Oct 10, 2025 |
| Instrument | 2025 1466 |
| Name | BANK IOWA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 701 E OAK ST, RED OAK, IA 51566-1644 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02020/1977 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 2020/1977 |
| Instrument | 2020 1977 |
| Name | VILLAGE CAPITAL & INVESTMENT |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 701 E OAK ST, RED OAK, IA 51566-1644 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 002020/642 |
|---|---|
| Date | Apr 9, 2020 |
| Book Page | 2020/642 |
| Instrument | 642 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Jun 12, 2019 |
| Property Address | 701 E OAK ST, RED OAK, IA 51566-1644 |
| Document Number | 2019/855 |
| Book / Page | 2019 / 855 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 855 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 701 E OAK ST, RED OAK, IA 51566-1644 |
| Investor | Possibly a Property Investor |
| Document Number | 002019/856 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 2019/856 |
| Instrument | 856 |
| Name | COBALT CU |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
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 | $2,990.00 (+15.89%) Homeowner's exemption | $147,800 (+22.95%) Land $9,540 Building $138,260 | $147,800 (+22.95%) Land $9,540 Building $138,260 |
| 2024 | $2,580.00 (+32.85%) | ||
| 2023 | $120,210 Land $7,160 Building $113,050 | $120,210 Land $7,160 Building $113,050 | |
| 2022 | $1,942.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 68% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 362 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| FMTC of Stanton Iowa Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
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