1902 E Lucas St, Algona, IA 50511 Property Records

Kossuth County property record for 1902 E Lucas St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,857 sqft · built 1981
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Mar 2019)
Tax Bill	$5,174 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-01-410-001`

Property Details

APN / Parcel Number

Primary APN	`22-01-410-001`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	1,857 sqft Living Area
Basement Area	1,136 sqft
Finished Basement	1,000 sqft
Unfinished Basement	136 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Deck Area	162 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1902 E LUCAS ST
City	ALGONA
State	IA
Zip	50511-2230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 HARRIET OGGS 1ST ADD
Legal Subdivision	HARRIET OGGS FIRST ADDITION TO ALGONA
Legal Lot Number	21
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1059
Census Tract	950500

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	2 Individual Names on Record
Mailing Address	1902 E LUCAS ST, ALGONA, IA 50511-2230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Mar 13, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CHARTER WEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2019 · Amount on Record
Deed Sale	Mar 13, 2019 · Amount on Record
Prior Sale	Jun 8, 2012 · Amount on Record
Deed Document Number	2019721
Deed Book / Page	2019 / 721
Prior Transfer Date	Nov 6, 2009
Prior Transfer Doc	2009/4446
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	1902 E LUCAS ST, ALGONA, IA 50511-2230
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/536
Date	Feb 26, 2021
Book Page	2021/536
Instrument	2021 0536

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Mar 13, 2019
Property Address	1902 E LUCAS ST, ALGONA, IA 50511-2230
Document Number	2019/721
Book / Page	2019 / 721
Instrument Date	Mar 1, 2019
Instrument	721
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	1902 E LUCAS ST, ALGONA, IA 50511-2230

Mortgage

Document Number	002019/722
Date	Mar 13, 2019
Book Page	2019/722
Instrument	722

Lender

Name	CHARTER WEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$5,174.00 (+2.44%) Homeowner's exemption	$338,540 (+9.86%) Land $46,000 Building $292,540
2024	$5,051.00 (+2.43%)
2023		$308,144 Land $36,800 Building $271,344	$308,144 (-8.98%) Land $36,800 Building $271,344
2021	$4,931.00		$338,540 Land $46,000 Building $292,540

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
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2019 · Severe Storms And Flooding

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 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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