709 E Washington Ave, Red Oak, IA 51566 Property Records

Montgomery County property record for 709 E Washington Ave, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,865 sqft · built 1880
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Sep 2023)
Tax Bill	$2,494 (2025)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628329007000`

Property Details

APN / Parcel Number

Primary APN	`600628329007000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,865 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Finished Basement	250 sqft
Unfinished Basement	702 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	284 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	204 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	709 E WASHINGTON AVE
City	RED OAK
State	IA
Zip	51566-2439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG PLAT LT 11 & E 5' LT 10 BLK 48
Legal Block	48
Legal Lot Number	10,11
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	1
Census Block	1045
Census Tract	960300

Owner

709 E Washington Ave is owned by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1291 120TH ST, HENDERSON, IA 51541-3004
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
Sep 19, 2023	Warranty Deed, Transfer · Line of Credit BANK IOWA
Apr 18, 2018	Deed of Trust, Mortgage · VA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on File
Deed Sale	Sep 19, 2023 · Amount on File
Prior Sale	Apr 6, 2006 · Amount on File
Deed Document Number	20231336
Prior Transfer Date	Apr 4, 2006
Prior Transfer Doc	0294/0469
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Sep 19, 2023
Property Address	709 E WASHINGTON AVE, RED OAK, IA 51566-2439
Document Number	02023/1336
Book / Page	2023 / 1336
Instrument Date	Sep 14, 2023
Instrument	2023 1336
Transaction Type	Transfer
Record Updated	Nov 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1291 120TH ST, HENDERSON, IA 51541-3004

Mortgage

Document Number	0020231337
Date	Sep 19, 2023
Instrument	2023 1337

Lender

Name	BANK IOWA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	709 E WASHINGTON AVE, RED OAK, IA 51566-2439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000572
Date	Apr 18, 2018
Book Page	0000002018/0000000572
Instrument	000000000572

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 709 E Washington Ave was $2,494, down 18% 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	$2,494.00 (-18.01%)	$114,240 Land $7,500 Building $106,740	$114,240 Land $7,500 Building $106,740
2024	$3,042.00
2023		$129,630 Land $5,000 Building $124,630	$129,630 Land $5,000 Building $124,630
2022	$1,560.00

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

Flood

FEMA maps place 709 E Washington Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 709 E Washington Ave is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 62% of Iowa
Wildfire Likelihood	0.05% 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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