702 E Elm St, Red Oak, IA 51566 Property Records

Montgomery County property record for 702 E Elm St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1939
Lot Size	0.181 acres (7,865 sqft)
Owner	2 Individual Names on File
Last Sale	$29,000 (Sep 2014)
Tax Bill	$2,100 (2025)
Deeds & Mortgages	Aug 2019 Refinance Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`600628136006000`

Property Details

APN / Parcel Number

Primary APN	`600628136006000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,865 sqft (0.181 acres)
Lot Dimensions	121 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	702 E ELM ST
City	RED OAK
State	IA
Zip	51566-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUINBY ADD LT 3 BLK 1
Legal Subdivision	QUINBY ADDITION
Legal Block	1
Legal Lot Number	3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2080
Census Tract	960300

Owner

Source: Montgomery County records, as of September 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	702 E ELM ST, RED OAK, IA 51566-1616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK IOWA
Jul 12, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2014 · Amount on File
Deed Sale	Sep 9, 2014 · Amount on File
Prior Sale	Jun 5, 2008 · Amount on File
Deed Document Number	20141399
Deed Book / Page	2014 / 1399
Last Transfer Date	Jul 9, 2019
Transfer Doc	2019/1030
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	702 E ELM ST, RED OAK, IA 51566-1616
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1259
Date	Aug 27, 2019
Book Page	2019/1259
Instrument	1259

Lender

Name	BANK IOWA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jul 12, 2019
Property Address	702 E ELM ST, RED OAK, IA 51566-1616
Document Number	2019/1030
Book / Page	2019 / 1030
Instrument Date	Jul 9, 2019
Instrument	1030
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 E ELM ST, RED OAK, IA 51566-1616

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	$2,100.00 (+46.24%) Homeowner's exemption	$107,050 (+49.83%) Land $13,000 Building $94,050	$107,050 (+49.83%) Land $13,000 Building $94,050
2024	$1,436.00 (+15.62%)
2023		$71,450 Land $9,750 Building $61,700	$71,450 Land $9,750 Building $61,700
2022	$1,242.00

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 File 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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