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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,556 sqft · built 1930
Lot Size	0.154 acres (6,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$143,500 (Aug 2015)
Tax Bill	$4,992 (2025)
Deeds & Mortgages	Dec 2021 Mortgage May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628191003000`

Property Details

APN / Parcel Number

Primary APN	`600628191003000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	783 sqft
Basement Area	783 sqft
Unfinished Basement	783 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Tile
Lot Area	6,720 sqft (0.154 acres)
Lot Dimensions	112 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	171 sqft
Patio Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	706 E REED ST
City	RED OAK
State	IA
Zip	51566-2447
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 3 & E 1/3 LT 4 BLK 33
Legal Subdivision	RED OAK
Legal Block	33
Legal Lot Number	3,4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	1
Census Block	1008
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 Record
Mailing Address	706 E REED ST, RED OAK, IA 51566-2447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 11, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage EXCHANGE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2015 · Amount on Record
Deed Sale	Aug 3, 2015 · Amount on Record
Deed Document Number	20151252
Deed Book / Page	2015 / 1252
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	706 E REED ST, RED OAK, IA 51566-2447
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2228
Date	Dec 20, 2021
Book Page	2021/2228
Instrument	2021 2228

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY IA
Recording Date	May 11, 2022
Property Address	706 E REED ST, RED OAK, IA 51566-2447
Document Number	002022/708
Book / Page	2022 / 708
Instrument Date	Apr 8, 2022
Instrument	2022 0708
Transaction Type	Transfer
Record Updated	Mar 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 E REED ST, RED OAK, IA 51566-2447

Mortgage

Document Number	002022/710
Date	May 11, 2022
Book Page	2022/710
Instrument	2022 0710

Lender

Name	EXCHANGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 1, 2029

Interest

Rate Type	Fixed Rate

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	$4,992.00 (+1.55%)	$228,610 (+9.14%) Land $11,760 Building $216,850	$228,610 (+9.14%) Land $11,760 Building $216,850
2024	$4,916.00 (+16.22%)
2023		$209,470 Land $8,820 Building $200,650	$209,470 Land $8,820 Building $200,650
2022	$4,230.00

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 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

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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