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

Montgomery County property record for 711 E Prospect St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,274 sqft · built 1948
Lot Size	0.125 acres (5,450 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,124 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628136018000`

Property Details

APN / Parcel Number

Primary APN	`600628136018000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,274 sqft Living Area
1st Floor Area	952 sqft
Attic	Attic
Attic Area	238 sqft
Basement Area	1,036 sqft
Finished Basement	325 sqft
Unfinished Basement	711 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,450 sqft (0.125 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	711 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD S 100' W 50' LT 10 & S 100' SL2 E 10' LT 10 BLK 93
Legal Subdivision	NORTHEASTERN ADDITION
Legal Block	93
Legal Lot Number	10
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2094
Census Tract	960300

Owner

Source: Montgomery County records, as of December 2, 2025

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	711 E PROSPECT ST, RED OAK, IA 51566-1627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Line of Credit VERIDIAN CU
Oct 14, 2025	Intrafamily Transfer, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025
Deed Sale	Oct 14, 2025
Deed Book / Page	2025 / 1478
Prior Transfer Date	Sep 8, 2025
Prior Transfer Doc	02025/1478
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	711 E PROSPECT ST, RED OAK, IA 51566-1627
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 E PROSPECT ST, RED OAK, IA 51566-1627

Mortgage

Document Number	02023/1743
Date	Dec 15, 2023
Book Page	2023/1743
Instrument	2023 1743

Lender

Name	VERIDIAN CU
Type	Credit Union
Address	WATERLOO, IA 50704

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY IA
Recording Date	Oct 14, 2025
Property Address	711 E PROSPECT ST, RED OAK, IA 51566-1627
Document Number	02025/1478
Book / Page	2025 / 1478
Instrument Date	Sep 8, 2025
Instrument	2025 1478
Transaction Type	Transfer
Record Updated	Nov 19, 2025
Title Company	SERVICELINK

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
Relationship	Joint Tenants with Right of Survivorship
Address	711 E PROSPECT ST, RED OAK, IA 51566-1627

Mortgage

Document Number	0020251479
Date	Oct 14, 2025
Instrument	2025 1479

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2040

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	$2,124.00 Homeowner's exemption	$137,340 (+25.79%) Land $10,340 Building $127,000	$137,340 (+25.79%) Land $10,340 Building $127,000
2024	$2,124.00 (+35.11%)
2023		$109,180 Land $8,460 Building $100,720	$109,180 Land $8,460 Building $100,720
2022	$1,572.00

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.

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