15 E Elm St, Algona, IA 50511 Property Records

Kossuth County property record for 15 E Elm St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,738 sqft · built 1890
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$62,500 (Apr 2018)
Tax Bill	$1,038 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`22-02-329-003`

Property Details

APN / Parcel Number

Primary APN	`22-02-329-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,738 sqft Living Area
Basement Area	640 sqft
Unfinished Basement	640 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 E ELM ST
City	ALGONA
State	IA
Zip	50511-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 4RDS OF L 22 & E 2' OF S 5RDS OF L 25
Legal Subdivision	CALLS ADDITION TO ALGONA
Legal Block	277
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1023
Census Tract	950400

Owner

15 E Elm St is owned and occupied by an individual who bought it in April 2018.

Source: Kossuth County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	15 E ELM ST, ALGONA, IA 50511-1506
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 3, 2018	Deed of Trust, Mortgage · ARM NORTHWEST BANK
Apr 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Prior Sale	Feb 21, 2014 · Amount on File
Deed Document Number	2018943
Deed Book / Page	2018 / 943
Prior Transfer Date	Jul 24, 2006
Prior Transfer Doc	2006/2644
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	15 E ELM ST, ALGONA, IA 50511-1506
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000944
Date	Apr 3, 2018
Book Page	0000002018/0000000944
Instrument	000000000944

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	177 Months
Due	Jan 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.6%
Type Change Date	May 1, 2023
Index	1-Year CMT

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Apr 3, 2018
Property Address	15 E ELM ST, ALGONA, IA 50511-1506
Document Number	2018/943
Book / Page	2018 / 943
Instrument Date	Mar 29, 2018
Instrument	000000000943
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 E ELM ST, ALGONA, IA 50511-1506

Tax Assessment & Valuation

The 2025 property tax bill for 15 E Elm St was $1,038 with a homeowner's exemption, up 9.7% 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	$1,038.00 (+9.73%) Homeowner's exemption	$76,604 Land $16,910 Building $59,694
2024	$946.00
2023		$66,111 Land $15,219 Building $50,892	$66,111 Land $15,219 Building $50,892
2021	$868.00		$76,604 Land $16,910 Building $59,694

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

Flood

FEMA maps place 15 E Elm 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	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

Wildfire risk around 15 E Elm 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 94% of the US · lower than 65% 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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