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

Montgomery County property record for 800 E Reed St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,910 sqft · built 1900
Lot Size	0.351 acres (15,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jun 2026)
Tax Bill	$7,410 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`600628259012000`

Property Details

APN / Parcel Number

Primary APN	`600628259012000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,910 sqft Living Area
1st Floor Area	1,686 sqft
Basement Area	1,686 sqft
Finished Basement	1,400 sqft
Unfinished Basement	286 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,300 sqft (0.351 acres)
Lot Dimensions	90 ft deep x 170 ft wide
Porch	Slab
Porch Area	88 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Street Address	800 E REED ST
City	RED OAK
State	IA
Zip	51566-2449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 90' LTS 1-3 & N 90' W 15' LT 4 BLK 77
Legal Subdivision	NORTHEASTERN ADD
Legal Block	77
Legal Lot Number	1-4
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	3
Census Block	3012
Census Tract	960200

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	800 E REED ST, RED OAK, IA 51566-2449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Feb 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Apr 18, 2018	Deed of Trust, Mortgage PRIME LENDING INC
Apr 18, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Apr 18, 2018 · Amount on Record
Deed Document Number	2026806
Deed Book / Page	2026 / 806
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Jun 15, 2026
Property Address	800 E REED ST, RED OAK, IA 51566-2449
Document Number	0000000806
Book / Page	2026 / 806
Instrument Date	Feb 7, 2026
Instrument	2026806
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,167.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 E REED ST, RED OAK, IA 51566-2449

Mortgage

Document Number	0000000807,
Date	Jun 15, 2026
Instrument	2026807

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	800 E REED ST, RED OAK, IA 51566-2449
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/214
Date	Feb 9, 2021
Book Page	2021/214
Instrument	2021 0214

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	800 E REED ST, RED OAK, IA 51566-2449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/284
Date	Feb 3, 2020
Book Page	2020/284
Instrument	284

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Mar 1, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	800 E REED ST, RED OAK, IA 51566-2449
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000570
Date	Apr 18, 2018
Book Page	0000002018/0000000570
Instrument	000000000570

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Apr 18, 2018
Property Address	800 E REED ST, RED OAK, IA 51566-2449
Document Number	2018/569
Book / Page	2018 / 569
Instrument Date	Apr 10, 2018
Instrument	000000000569
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 E REED ST, RED OAK, IA 51566-2449
Investor	Possibly a Property Investor

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	$7,410.00 (+8.81%) Homeowner's exemption	$350,250 (+16.57%) Land $19,800 Building $330,450	$350,250 (+16.57%) Land $19,800 Building $330,450
2024	$6,810.00 (+30.81%)
2023		$300,470 Land $16,070 Building $284,400	$300,470 Land $16,070 Building $284,400
2022	$5,206.00

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	4 (1987–2008)
Most Recent Claim	Jun 2008 · Severe Storms, Tornadoes, And Flooding

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 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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