908 E Joy St, Red Oak, IA 51566 Property Records

Montgomery County property record for 908 E Joy St, Red Oak, IA 51566

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,432 sqft · built 1928
Lot Size	0.372 acres (16,200 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,540 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jan 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`600628252002000`

Property Details

APN / Parcel Number

Primary APN	`600628252002000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,432 sqft Living Area
1st Floor Area	1,216 sqft
Basement Area	1,216 sqft
Finished Basement	1,216 sqft
Unfinished Basement	806 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	16,200 sqft (0.372 acres)
Lot Dimensions	120 ft deep x 135 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Exterior Amenities

Pool House	Pool House
Porch	Enclosed Porch
Porch Area	280 sqft
Deck Area	Deck Area
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	908 E JOY ST
City	RED OAK
State	IA
Zip	51566-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE ADD LT 3 BLK 80
Legal Subdivision	NORTHEASTERN ADDITION
Legal Block	80
Legal Lot Number	3
Jurisdiction	MONTGOMERY IA
Township / Civil Division	RED OAK
Census Block Group	2
Census Block	2028
Census Tract	960200

Owner

Source: Montgomery County records, as of September 9, 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	908 E JOY ST, RED OAK, IA 51566-1929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	908 E JOY ST, RED OAK, IA 51566-1929
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/548
Date	Apr 14, 2022
Book Page	2022/548
Instrument	2022 0548

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IA
Property Address	908 E JOY ST, RED OAK, IA 51566-1929
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/46
Date	Jan 15, 2019
Book Page	2019/46
Instrument	46

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2034

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	$5,540.00 (+17.87%) Homeowner's exemption	$264,580 (+25.67%) Land $21,220 Building $243,360	$264,580 (+25.67%) Land $21,220 Building $243,360
2024	$4,700.00 (+26.55%)
2023		$210,530 Land $18,230 Building $192,300	$210,530 Land $18,230 Building $192,300
2022	$3,714.00

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 94% of the US · lower than 62% of Iowa
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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