1514 E Elm St, Algona, IA 50511 Property Records

Kossuth County property record for 1514 E Elm St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	1 ba · 748 sqft · built 1961
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$57,000 (Aug 2011)
Tax Bill	$1,422 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Sep 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-01-332-007`

Property Details

APN / Parcel Number

Primary APN	`22-01-332-007`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	748 sqft Living Area
Basement Area	748 sqft
Finished Basement	375 sqft
Unfinished Basement	373 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	196 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1514 E ELM ST
City	ALGONA
State	IA
Zip	50511-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 162 CALLS ADD
Legal Subdivision	CALLS ADDITION TO ALGONA
Legal Block	162
Legal Lot Number	2
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2020
Census Tract	950500

Owner

1514 E Elm St is owned and occupied by an individual who bought it in August 2011.

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

Owner of Record	Individual Name on File
Mailing Address	1514 E ELM ST, ALGONA, IA 50511-2019
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
Feb 24, 2026	Deed of Trust, Mortgage · Line of Credit BANK
Sep 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU
Oct 31, 2018	Deed of Trust, Mortgage · Line of Credit VERIDIAN CREDIT UNION
May 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance VERIDIAN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2011 · Amount on File
Deed Sale	Aug 1, 2011 · Amount on File
Deed Document Number	20112343
Deed Book / Page	2011 / 2343
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1514 E ELM ST, ALGONA, IA 50511-2019
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/462
Date	Feb 24, 2026
Book Page	2026/462
Instrument	2026 0462

Lender

Name	BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 17, 2056

Interest

Rate Type	Adjustable Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1514 E ELM ST, ALGONA, IA 50511-2019
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2829
Date	Sep 22, 2022
Book Page	2022/2829
Instrument	2022 2829

Lender

Name	VERIDIAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1514 E ELM ST, ALGONA, IA 50511-2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000003267
Date	Oct 31, 2018
Book Page	0000002018/0000003267
Instrument	000000003267

Lender

Name	VERIDIAN CREDIT UNION
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	291 Months
Due	Jan 1, 2043

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1514 E ELM ST, ALGONA, IA 50511-2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1217
Date	May 1, 2019
Book Page	2019/1217
Instrument	1217

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1514 E Elm St was $1,422 with a homeowner's exemption, up 2.7% 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	$1,422.00 (+2.67%) Homeowner's exemption	$100,962 Land $19,008 Building $81,954
2024	$1,385.00
2023		$91,763 Land $16,474 Building $75,289	$91,763 Land $16,474 Building $75,289
2021	$1,301.00		$100,962 Land $19,008 Building $81,954

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

Flood

FEMA maps place 1514 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	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 1514 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 99.8% of the US · lower than 98.1% 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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