209 E Oak St, Algona, IA 50511 Property Records

Kossuth County property record for 209 E Oak St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,047 sqft · built 1936
Lot Size	4.24 acres (184,694 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Feb 2024)
Tax Bill	$3,338 (2025)
Deeds & Mortgages	Mar 2013 Mortgage Dec 2025 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-253-010`

Property Details

APN / Parcel Number

Primary APN	`22-02-253-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,047 sqft Living Area
Basement Area	821 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	184,694 sqft (4.24 acres)
Garage Type	Attached
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	160 sqft
Deck Area	141 sqft
Patio Area	182 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	209 E OAK ST
City	ALGONA
State	IA
Zip	50511-1538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS C & D AUD PLAT OF W 132' OF B 245 &
Legal Subdivision	CALLS AVE ADD
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1017
Census Tract	950400

Owner

Source: Kossuth County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	209 E OAK ST, ALGONA, IA 50511-1538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2013	Deed of Trust, Mortgage · ARM FARMERS STATE BANK
Dec 11, 2025	Deed of Trust, Mortgage · VA Mortgage E MORTGAGE CAPITAL INC
Jul 16, 2018	Deed of Trust, Mortgage CU MORTGAGE SERVICES
Jul 16, 2018	Deed of Trust, Mortgage CU MORTGAGE SERVICES
Feb 27, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 22, 2024	Intrafamily Transfer, Transfer
Dec 21, 2021	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Jun 27, 2018	Warranty Deed, Transfer CU MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2024 · Amount on Record
Deed Sale	Feb 27, 2024 · Amount on Record
Prior Sale	Dec 21, 2021 · Amount on Record
Deed Document Number	2024447
Deed Book / Page	2024 / 447
Prior Transfer Date	Jan 29, 2024
Prior Transfer Doc	002024/393
Record Updated	Sep 20, 2026

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/0967
Date	Mar 1, 2013
Book Page	2013/0967
Instrument	2013 0967

Lender

Name	FARMERS STATE BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Mar 1, 2014
Change Frequency	Annually
Min Rate At Change	2.75%
Index	1-Year CMT
Max Rate	8.75%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E OAK ST, ALGONA, IA 50511-1538

Mortgage

Document Number	02025/3300
Date	Dec 11, 2025
Book Page	2025/3300
Instrument	2025 3300

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2055

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002104
Date	Jul 16, 2018
Book Page	0000002018/0000002104
Instrument	000000002104

Lender

Name	CU MORTGAGE SERVICES

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002104
Date	Jul 16, 2018
Book Page	0000002018/0000002104
Instrument	000000002104

Lender

Name	CU MORTGAGE SERVICES

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Feb 27, 2024
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Document Number	002024/447
Book / Page	2024 / 447
Instrument Date	Feb 23, 2024
Instrument	2024 447
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$359.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E OAK ST, ALGONA, IA 50511-1538

Mortgage

Document Number	0002024448
Date	Feb 27, 2024
Instrument	2024 448

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KOSSUTH IA
Recording Date	Feb 22, 2024
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Document Number	002024/393
Book / Page	2024 / 393
Instrument Date	Jan 29, 2024
Instrument	2024 393
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E OAK ST, ALGONA, IA 50511-1538

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Dec 21, 2021
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Document Number	02021/4031
Book / Page	2021 / 4031
Instrument Date	Dec 15, 2021
Instrument	2021 4031
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 E OAK ST, ALGONA, IA 50511-1538

Mortgage

Document Number	0020214032
Date	Dec 21, 2021
Instrument	2021 4032

Lender

Name	LOWER LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jun 27, 2018
Property Address	209 E OAK ST, ALGONA, IA 50511-1538
Document Number	02018/1945
Book / Page	2018 / 1945
Instrument Date	Jun 21, 2018
Instrument	000000001945
Transaction Type	Transfer
Record Updated	Mar 22, 2024

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	209 E OAK ST, ALGONA, IA 50511-1538

Mortgage

Document Number	0000002018/0000001946
Date	Jun 27, 2018
Book Page	0000002018/0000001946
Instrument	000000001946

Lender

Name	CU MORTGAGE SERVICES

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

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	$3,338.00	$219,082 (+11.17%) Land $38,960 Building $180,122
2024	$3,338.00 (-2.45%)
2023		$197,071 Land $38,960 Building $158,111	$197,071 (-10.05%) Land $38,960 Building $158,111
2021	$3,422.00		$219,082 Land $38,960 Building $180,122

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

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 96% of the US · lower than 71% 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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