Montgomery County property record for 709 E Joy St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,560 sqft · built 1896 |
| Lot Size | 0.116 acres (5,040 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $45,000 (Aug 2021) |
| Tax Bill | $2,486 (2025) |
| Deeds & Mortgages | Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 600628144007000 |
| Primary APN | 600628144007000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1896 |
|---|---|
| Effective Year Built | Effective 1896 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| 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 | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 156 sqft |
| Patio Area | 77 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Water Source | Commercial |
| Street Address | 709 E JOY ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIG PLAT LT 2 BLK 1 |
| Legal Subdivision | PLAT SAID ADD |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2118 |
| 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 | 709 E JOY ST, RED OAK, IA 51566-1924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Deed Document Number | 20211512 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 709 E JOY ST, RED OAK, IA 51566-1924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/1435 |
|---|---|
| Date | Sep 6, 2017 |
| Book Page | 2017/1435 |
| Instrument | 2017 1435 |
| Name | GREAT WESTERN BANK |
|---|---|
| Type | Bank |
| Address | RED OAK, IA 51566 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 58 Months |
| Due | Jul 25, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,486.00 (-4.24%) Homeowner's exemption | $124,690 (+3.19%) Land $8,820 Building $115,870 | $124,690 (+3.19%) Land $8,820 Building $115,870 |
| 2024 | $2,596.00 (+39.57%) | ||
| 2023 | $120,840 Land $6,620 Building $114,220 | $120,840 Land $6,620 Building $114,220 | |
| 2022 | $1,860.00 |
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 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.
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 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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