Montgomery County property record for 705 E Oak St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,288 sqft · built 1922 |
| Lot Size | 0.271 acres (11,826 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,420 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 600621382011000 |
| Primary APN | 600621382011000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 3 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Finished Basement | 468 sqft |
| Unfinished Basement | 468 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,826 sqft (0.271 acres) |
| Lot Dimensions | 146 ft deep x 81 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,080 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Enclosed Porch |
| Deck Area | 191 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 705 E OAK ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1644 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLSIDE ADD LTS 9 & 10 BLK 1 |
| Legal Subdivision | HILLSIDE ADD |
| Legal Block | 1 |
| Legal Lot Number | 9,10 |
| 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 | 705 E OAK ST, RED OAK, IA 51566-1644 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Recording Date | Aug 12, 2026 |
| Property Address | 705 E OAK ST, RED OAK, IA 51566-1644 |
| Document Number | 0000001120 |
| Book / Page | 2026 / 1120 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 20261120 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 705 E OAK ST, RED OAK, IA 51566-1644 |
| Document Number | 0000001120, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 2026/1120 |
| Instrument | 20261120 |
| Name | COMMUNITY FIRST CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 28, 2051 |
| Max Rate | -1% |
|---|
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 | $2,420.00 (+26.3%) Homeowner's exemption | $136,330 (+29.16%) Land $17,170 Building $119,160 | $136,330 (+29.16%) Land $17,170 Building $119,160 |
| 2024 | $1,916.00 (+7.16%) | ||
| 2023 | $105,550 Land $12,880 Building $92,670 | $105,550 Land $12,880 Building $92,670 | |
| 2022 | $1,788.00 |
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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