1615 E Elm St, Algona, IA 50511 Property Records

Kossuth County property record for 1615 E Elm St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,428 sqft · built 1979
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,036 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-01-337-002`

Property Details

APN / Parcel Number

Primary APN	`22-01-337-002`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Basement Area	1,428 sqft
Finished Basement	600 sqft
Unfinished Basement	828 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Mixed
Garage Area	1,704 sqft
Parking Spaces	7 Parking Spaces
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1615 E ELM ST
City	ALGONA
State	IA
Zip	50511-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 LOT 6 & LOT 7 BLK 148 CALLS ADD
Legal Subdivision	CALLS ADDITION TO ALGONA
Legal Block	148
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2000
Census Tract	950500

Owner

1615 E Elm St is owned and occupied by two individuals who acquired it in November 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	1615 E ELM ST, ALGONA, IA 50511-2022
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
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 17, 2009
Transfer Doc	2009/4528
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1615 E ELM ST, ALGONA, IA 50511-2022
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/849
Date	Mar 26, 2021
Book Page	2021/849
Instrument	2021 0849

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1615 E ELM ST, ALGONA, IA 50511-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3521
Date	Nov 23, 2020
Book Page	2020/3521
Instrument	2020 3521

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	252 Months
Due	May 15, 2031

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1615 E Elm St was $4,036 with a homeowner's exemption, up 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	$4,036.00 (+7.03%) Homeowner's exemption	$281,132 Land $29,700 Building $251,432
2024	$3,771.00
2023		$246,324 Land $25,740 Building $220,584	$246,324 Land $25,740 Building $220,584
2021	$3,837.00		$281,132 Land $29,700 Building $251,432

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

Flood

FEMA maps place 1615 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 1615 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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