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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,752 sqft · built 1915
Lot Size	0.496 acres (21,600 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Mar 2017)
Tax Bill	$3,108 (2025)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628136014000`

Property Details

APN / Parcel Number

Primary APN	`600628136014000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,752 sqft Living Area
1st Floor Area	600 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Slate
Lot Area	21,600 sqft (0.496 acres)
Lot Dimensions	180 ft deep x 120 ft wide
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	224 sqft
Deck Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	701 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD LT 6 & E/2 LT 5 & W/2 LT 7 BLK 93
Legal Subdivision	NORTHEASTERN ADDITION
Legal Block	93
Legal Lot Number	5-7
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2094
Census Tract	960300

Owner

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	Individual Name on Record
Mailing Address	701 E PROSPECT ST, RED OAK, IA 51566-1627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2017 · Amount on Record
Deed Sale	Mar 16, 2017 · Amount on Record
Deed Document Number	2017432
Deed Book / Page	2017 / 432
Record Updated	Oct 29, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Mar 16, 2017
Property Address	701 E PROSPECT ST, RED OAK, IA 51566-1627
Document Number	02017/0432
Book / Page	2017 / 0432
Instrument Date	Mar 7, 2017
Instrument	2017 0432
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 E PROSPECT ST, RED OAK, IA 51566-1627

Mortgage

Document Number	02017/0433
Date	Mar 16, 2017
Book Page	2017/0433
Instrument	2017 0433

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 2, 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	$3,108.00 (+14.69%)	$142,280 (+23.15%) Land $20,160 Building $122,120	$142,280 (+23.15%) Land $20,160 Building $122,120
2024	$2,710.00 (+13.87%)
2023		$115,530 Land $16,130 Building $99,400	$115,530 Land $16,130 Building $99,400
2022	$2,380.00

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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