706 E Hammond St, Red Oak, IA 51566 Property Records

Montgomery County property record for 706 E Hammond St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,396 sqft · built 1910
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on File
Last Sale	$117,500 (Nov 2019)
Tax Bill	$5,256 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628187003000`

Property Details

APN / Parcel Number

Primary APN	`600628187003000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,396 sqft Living Area
1st Floor Area	1,128 sqft
Basement Area	1,128 sqft
Unfinished Basement	1,128 sqft
Game Room	Game Room
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	112 ft deep x 45 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	249 sqft
Deck Area	322 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	706 E HAMMOND ST
City	RED OAK
State	IA
Zip	51566-1956
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 3 BLK 32
Legal Subdivision	RED OAK
Legal Block	32
Legal Lot Number	3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	1
Census Block	1006
Census Tract	960300

Owner

706 E Hammond St is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	706 E HAMMOND ST, RED OAK, IA 51566-1956
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRIS FCU
Nov 5, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2019 · Amount on File
Deed Sale	Nov 5, 2019 · Amount on File
Prior Sale	Jan 22, 2016 · Amount on File
Deed Document Number	20191625
Deed Book / Page	2019 / 1625
Prior Transfer Date	Jan 19, 2005
Prior Transfer Doc	0281/0643
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	706 E HAMMOND ST, RED OAK, IA 51566-1956
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002021/15
Date	Jan 4, 2021
Book Page	2021/15
Instrument	2021 0015

Lender

Name	CENTRIS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Nov 5, 2019
Property Address	706 E HAMMOND ST, RED OAK, IA 51566-1956
Document Number	2019/1625
Book / Page	2019 / 1625
Instrument Date	Aug 27, 2019
Instrument	1625
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
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	706 E HAMMOND ST, RED OAK, IA 51566-1956
Investor	Possibly a Property Investor

Mortgage

Document Number	02019/1626
Date	Nov 5, 2019
Book Page	2019/1626
Instrument	1626

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 706 E Hammond St was $5,256, up 34.4% from the year before.

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	$5,256.00 (+34.42%)	$240,670 Land $8,820 Building $231,850	$240,670 Land $8,820 Building $231,850
2024	$3,910.00
2023		$166,670 Land $6,620 Building $160,050	$166,670 Land $6,620 Building $160,050
2022	$2,960.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 706 E Hammond St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2007.

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 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	4 (2007–2019)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2008 · 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

Wildfire risk around 706 E Hammond St is low, with less than a 0.01% annual chance of 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	Under 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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