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

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,832 sqft · built 1909
Lot Size	0.316 acres (13,800 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Jun 2019)
Tax Bill	$4,742 (2024)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628140001000`

Property Details

APN / Parcel Number

Primary APN	`600628140001000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,832 sqft Living Area
1st Floor Area	1,226 sqft
Basement Area	1,606 sqft
Game Room	Game Room
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,800 sqft (0.316 acres)
Lot Dimensions	120 ft deep x 115 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	344 sqft
Deck Area	184 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam

Location & Zoning

Street Address	702 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD W 115' LT 2 BLK 89
Legal Block	89
Legal Lot Number	2
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2116
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	702 E PROSPECT ST, RED OAK, IA 51566-1628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jun 24, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Dec 5, 2005 · Amount on Record
Deed Document Number	920
Deed Book / Page	2019 / 920
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	702 E PROSPECT ST, RED OAK, IA 51566-1628
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/295
Date	Feb 22, 2021
Book Page	2021/295
Instrument	2021 0295

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jun 24, 2019
Property Address	702 E PROSPECT ST, RED OAK, IA 51566-1628
Document Number	2019/920
Book / Page	2019 / 920
Instrument Date	Jun 19, 2019
Instrument	920
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 E PROSPECT ST, RED OAK, IA 51566-1628

Mortgage

Document Number	002019/921
Date	Jun 24, 2019
Book Page	2019/921
Instrument	921

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 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		$212,550 (+0.09%) Land $18,400 Building $194,150	$212,550 (+0.09%) Land $18,400 Building $194,150
2024	$4,742.00 (+30.27%)
2023		$212,350 Land $14,660 Building $197,690	$212,350 Land $14,660 Building $197,690
2022	$3,640.00

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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