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

Montgomery County property record for 902 E Reed St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,526 sqft · built 1921
Lot Size	0.128 acres (5,565 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Nov 2017)
Tax Bill	$3,116 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`600628260002000`

Property Details

APN / Parcel Number

Primary APN	`600628260002000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,526 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Finished Basement	400 sqft
Unfinished Basement	328 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,565 sqft (0.128 acres)
Lot Dimensions	105 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	198 sqft
Deck Area	299 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	902 E REED ST
City	RED OAK
State	IA
Zip	51566-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD E 10' 10" N/2 LT 8 & W 41.67' N/2 LT 9 BLK 77
Legal Subdivision	NORTHEASTERN ADDITION
Legal Block	77
Legal Lot Number	8,9
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	3
Census Block	3011
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	Individual Name on Record
Mailing Address	902 E REED ST, RED OAK, IA 51566-2412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OMAHA
Nov 21, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK IOWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2017 · Amount on Record
Deed Sale	Nov 21, 2017 · Amount on Record
Prior Sale	Nov 16, 2007 · Amount on Record
Deed Document Number	20171849
Deed Book / Page	2017 / 1849
Prior Transfer Date	Nov 15, 2007
Prior Transfer Doc	0309/0448
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	902 E REED ST, RED OAK, IA 51566-2412
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1138
Date	Jun 23, 2021
Book Page	2021/1138
Instrument	2021 1138

Lender

Name	FIRST NATIONAL BANK OMAHA
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IA
Recording Date	Nov 21, 2017
Property Address	902 E REED ST, RED OAK, IA 51566-2412
Document Number	2017/1849
Book / Page	2017 / 1849
Instrument Date	Nov 20, 2017
Instrument	2017 1849
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	RED OAK, IA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	902 E REED ST, RED OAK, IA 51566-2412

Mortgage

Document Number	2017/1850
Date	Nov 21, 2017
Book Page	2017/1850
Instrument	2017 1850

Lender

Name	BANK IOWA
Type	Bank
Address	DENISON, IA 51442

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

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	$3,116.00 (+13.06%)	$142,730 (+21.57%) Land $10,180 Building $132,550	$142,730 (+21.57%) Land $10,180 Building $132,550
2024	$2,756.00 (+46.13%)
2023		$117,410 Land $7,630 Building $109,780	$117,410 Land $7,630 Building $109,780
2022	$1,886.00

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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