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

Montgomery County property record for 806 E Prospect St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,537 sqft · built 1922
Lot Size	0.372 acres (16,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,930 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`600628203003000`

Property Details

APN / Parcel Number

Primary APN	`600628203003000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,537 sqft Living Area
1st Floor Area	1,364 sqft
Basement Area	1,364 sqft
Finished Basement	750 sqft
Unfinished Basement	614 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	16,200 sqft (0.372 acres)
Lot Dimensions	120 ft deep x 135 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	276 sqft
Deck Area	Deck Area
Patio Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	806 E PROSPECT ST
City	RED OAK
State	IA
Zip	51566-1630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD LT 3 BLK 90
Legal Subdivision	NORTHEASTERN ADITION
Legal Block	90
Legal Lot Number	3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2027
Census Tract	960200

Owner

Source: Montgomery County records, as of March 10, 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	806 E PROSPECT ST, RED OAK, IA 51566-1630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Nov 23, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2008
Deed Sale	Oct 7, 2008
Deed Document Number	2008316 0750
Deed Book / Page	316 / 750
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	806 E PROSPECT ST, RED OAK, IA 51566-1630
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 E PROSPECT ST L, L, RED OAK, IA 51566-1630

Mortgage

Document Number	002026/151
Date	Feb 2, 2026
Book Page	2026/151
Instrument	2026 0151

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 24, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	806 E PROSPECT ST, RED OAK, IA 51566-1630
Transaction Type	Mortgage
Record Updated	Mar 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1280
Date	Jul 19, 2021
Book Page	2021/1280
Instrument	2021 1280

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY IA
Recording Date	Nov 23, 2020
Property Address	806 E PROSPECT ST, RED OAK, IA 51566-1630
Document Number	02020/1950
Book / Page	2020 / 1950
Map Reference	MB 316 PG 750
Instrument Date	Nov 18, 2020
Instrument	2020 1950
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	806 E PROSPECT ST, RED OAK, IA 51566-1630

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	$5,930.00 Homeowner's exemption	$297,740 (+7.62%) Land $21,220 Building $276,520	$297,740 (+7.62%) Land $21,220 Building $276,520
2024	$5,930.00 (+24.58%)
2023		$276,670 Land $20,250 Building $256,420	$276,670 Land $20,250 Building $256,420
2022	$4,760.00

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 Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2014 · other causes

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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