1603 E Lucas St, Algona, IA 50511 Property Records

Kossuth County property record for 1603 E Lucas St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,536 sqft · built 1960
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$194,000 (Nov 2017)
Tax Bill	$5 (2024)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-01-339-003`

Property Details

APN / Parcel Number

Primary APN	`22-01-339-003`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Basement Area	1,536 sqft
Finished Basement	1,100 sqft
Unfinished Basement	436 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Patio Area	780 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1603 E LUCAS ST
City	ALGONA
State	IA
Zip	50511-2160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 1 NEAL SMITHS 1ST ADD
Legal Subdivision	NEAL SMITH'S 1ST ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2022
Census Tract	950500

Owner

1603 E Lucas St is owned and occupied by two individuals who bought it in November 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1603 E LUCAS ST, ALGONA, IA 50511-2160
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
Sep 3, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Nov 6, 2025	Deed of Trust, Mortgage · VA Mortgage E MORTGAGE CAPITAL INC
Oct 8, 2019	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 21, 2017	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2017 · Amount on File
Deed Sale	Nov 21, 2017 · Amount on File
Deed Document Number	20173371
Deed Book / Page	2017 / 3371
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Recording Date	Sep 3, 2026
Property Address	1603 E LUCAS ST, ALGONA, IA 50511-2160
Document Number	0000002307
Book / Page	2026 / 2307
Instrument Date	Aug 26, 2026
Instrument	20262307
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	K TITLE AND ESCROW INC, TRUSTPRO TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 E LUCAS ST, ALGONA, IA 50511-2160

Mortgage

Document Number	0000002307,
Date	Sep 3, 2026
Book Page	2026/2307
Instrument	20262307

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1603 E LUCAS ST, ALGONA, IA 50511-2160
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 E LUCAS ST, ALGONA, IA 50511-2160

Mortgage

Document Number	02025/3010
Date	Nov 6, 2025
Book Page	2025/3010
Instrument	2025 3010

Lender

Name	E MORTGAGE CAPITAL INC
Type	Mortgage Company
Address	SANTA ANA, CA 92704

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1603 E LUCAS ST, ALGONA, IA 50511-2160
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/3092
Date	Oct 8, 2019
Book Page	2019/3092
Instrument	3092

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Nov 21, 2017
Property Address	1603 E LUCAS ST, ALGONA, IA 50511-2160
Document Number	2017/3371
Book / Page	2017 / 3371
Instrument Date	Jun 15, 2017
Instrument	2017 3371
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1603 E LUCAS ST, ALGONA, IA 50511-2160

Mortgage

Document Number	2017/3372
Date	Nov 21, 2017
Book Page	2017/3372
Instrument	2017 3372

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

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		$222,485 Land $28,500 Building $193,985
2024	$5.00
2023		$194,536 Land $24,700 Building $169,836	$194,536 Land $24,700 Building $169,836
2021	$5.00		$222,485 Land $28,500 Building $193,985

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

Flood

FEMA maps place 1603 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 1603 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 93% of the US · above 40% 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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