117 E Oak St, Algona, IA 50511 Property Records

Kossuth County property record for 117 E Oak St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,733 sqft · built 1910
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Tax Bill	$2,342 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Feb 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-253-008`

Property Details

APN / Parcel Number

Primary APN	`22-02-253-008`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,733 sqft Living Area
Basement Area	504 sqft
Finished Basement	400 sqft
Unfinished Basement	104 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Patio Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	117 E OAK ST
City	ALGONA
State	IA
Zip	50511-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 242 CALLS AVE ADD
Legal Subdivision	CALLS AVE ADD
Legal Block	242
Legal Lot Number	3
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1017
Census Tract	950400

Owner

Source: Kossuth 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	Individual Name on Record
Mailing Address	117 E OAK ST, ALGONA, IA 50511-1536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Feb 23, 2023	Quit Claim Deed, Transfer Quitclaim
Dec 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 11, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 6, 2023
Transfer Doc	002023/494
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	117 E OAK ST, ALGONA, IA 50511-1536
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/563
Date	Mar 3, 2023
Book Page	2023/563
Instrument	2023 0563

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	10.2%

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KOSSUTH IA
Recording Date	Feb 23, 2023
Property Address	117 E OAK ST, ALGONA, IA 50511-1536
Document Number	002023/494
Book / Page	2023 / 494
Instrument Date	Feb 6, 2023
Instrument	2023 0494
Transaction Type	Transfer
Record Updated	Jan 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E OAK ST, ALGONA, IA 50511-1536

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	117 E OAK ST, ALGONA, IA 50511-1536
Transaction Type	Mortgage
Record Updated	Jan 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/3639
Date	Dec 7, 2022
Book Page	2022/3639
Instrument	2022-3639

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	10.2%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	117 E OAK ST, ALGONA, IA 50511-1536
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/3680
Date	Dec 11, 2018
Book Page	2018/3680
Instrument	3680

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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	$2,342.00 (+9.24%) Homeowner's exemption	$159,179 (+16.35%) Land $18,026 Building $141,153
2024	$2,144.00 (-1.65%)
2023		$136,811 Land $16,224 Building $120,587	$136,811 (-14.05%) Land $16,224 Building $120,587
2021	$2,180.00		$159,179 Land $18,026 Building $141,153

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 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	2 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

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	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	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 407 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
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Algona Municipal Utilities Cable · Fiber in parts of the area	150 / 25
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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