1108 E Lucas St, Algona, IA 50511 Property Records

Kossuth County property record for 1108 E Lucas St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,312 sqft · built 1976
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,412 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-01-315-002`

Property Details

APN / Parcel Number

Primary APN	`22-01-315-002`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,312 sqft Living Area
Basement Area	1,024 sqft
Finished Basement	760 sqft
Unfinished Basement	1,024 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	936 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	264 sqft
Patio Area	225 sqft
Shed	1 Shed
Lean-To	Lean-To

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1108 E LUCAS ST
City	ALGONA
State	IA
Zip	50511-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 190 & N 1/2 VAC ALLEY
Legal Subdivision	CALLS ADD
Legal Block	190
Legal Lot Number	3
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2026
Census Tract	950500

Owner

1108 E Lucas St is owned and occupied by two individuals.

Source: Kossuth County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1108 E LUCAS ST, ALGONA, IA 50511-2105
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jan 8, 2024	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
May 24, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Dec 14, 2018	Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

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

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Recording Date	Apr 22, 2026
Property Address	1108 E LUCAS ST, ALGONA, IA 50511-2105
Document Number	0000000997
Book / Page	2026 / 997
Instrument Date	Apr 17, 2026
Instrument	2026997
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 E LUCAS ST, ALGONA, IA 50511-2105

Mortgage

Document Number	0000000997,
Date	Apr 22, 2026
Book Page	2026/997
Instrument	2026997

Lender

Name	NORTHWEST BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 15, 2036

Interest

Rate	6.22%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1108 E LUCAS ST, ALGONA, IA 50511-2105
Transaction Type	Mortgage
Record Updated	Feb 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002024/60
Date	Jan 8, 2024
Book Page	2024/60
Instrument	2024 0060

Lender

Name	NORTHWEST BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 15, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1108 E LUCAS ST, ALGONA, IA 50511-2105
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1296
Date	May 24, 2023
Book Page	2023/1296
Instrument	2023 1296

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 15, 2033

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1108 E LUCAS ST, ALGONA, IA 50511-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/3748
Date	Dec 14, 2018
Book Page	2018/3748
Instrument	3748

Lender

Name	DITECH FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1108 E Lucas St was $4,412 with a homeowner's exemption, up 42.3% from the year before.

Source: Kossuth County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
Municipality	Algona City
County	Kossuth County
Unified School District	Algona Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,412.00 (+42.28%) Homeowner's exemption	$290,320 Land $20,196 Building $270,124
2024	$3,101.00
2023		$136,234 Land $17,503 Building $118,731	$136,234 Land $17,503 Building $118,731
2021	$1,991.00		$290,320 Land $20,196 Building $270,124

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1108 E Lucas St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 19, 2018 · 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	1 in force

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

Wildfire risk around 1108 E Lucas St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 71% of Iowa
Wildfire Likelihood	Under 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	ALGONA MUNICIPAL UTILITIES serves 5,487 people · EPA ID IA5502015
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	5 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	None 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Algona Municipal Utilities Fiber · Cable in parts of the area	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Nextlink, Verizon.

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