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

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,301 sqft · built 1939
Lot Size	0.123 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Jul 2021)
Tax Bill	$2,342 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`600628140003000`

Property Details

APN / Parcel Number

Primary APN	`600628140003000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,301 sqft Living Area
1st Floor Area	624 sqft
Basement Area	864 sqft
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,400 sqft (0.123 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	45 sqft
Deck Area	120 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	706 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 45' E 107' LT 3 BLK 89
Legal Block	89
Legal Lot Number	3
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
Mailing Address	706 E PROSPECT ST, RED OAK, IA 51566-1628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 8, 2021	Deed of Trust, Mortgage · FHA Mortgage FLANAGAN STATE BANK
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Jul 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2021 · Amount on Record
Deed Sale	Jul 1, 2021 · Amount on Record
Deed Document Number	2021-1217
Deed Book / Page	0297 / 0181
Prior Transfer Date	Jul 3, 2006
Prior Transfer Doc	0297 0181
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	706 E PROSPECT ST, RED OAK, IA 51566-1628
Transaction Type	Mortgage
Record Updated	Dec 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2718 190TH ST, STANTON, IA 51573-4003

Mortgage

Document Number	02025/1662
Date	Nov 19, 2025
Book Page	2025/1662
Instrument	2025 1662

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	706 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	02021/1218
Date	Jul 8, 2021
Book Page	2021/1218
Instrument	2021 1218

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	706 E PROSPECT ST, RED OAK, IA 51566-1628
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1153
Date	Jul 6, 2020
Book Page	2020/1153
Instrument	2020 1153

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.88%
Index	1-Year CMT

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	706 E PROSPECT ST, RED OAK, IA 51566-1628
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1154
Date	Jul 6, 2020
Book Page	2020/1154
Instrument	2020 1154

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Aug 1, 2027

Interest

Rate Type	Fixed Rate

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		$132,120 (+32.38%) Land $9,000 Building $123,120	$132,120 (+32.38%) Land $9,000 Building $123,120
2024	$2,342.00 (+41.6%)
2023		$99,800 Land $6,750 Building $93,050	$99,800 Land $6,750 Building $93,050
2022	$1,654.00

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.

Nearby Properties on E Prospect St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures