2109 E Spruce St, Algona, IA 50511 Property Records

Kossuth County property record for 2109 E Spruce St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,040 sqft · built 1980
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$152,000 (Jun 2026)
Tax Bill	$1,499 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-01-227-019`

Property Details

APN / Parcel Number

Primary APN	`22-01-227-019`

Interior

Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Basement Area	1,040 sqft
Finished Basement	520 sqft
Game Room	Game Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2109 E SPRUCE ST
City	ALGONA
State	IA
Zip	50511-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 84 CALLS ADD
Legal Subdivision	CALLS ADDITION TO ALGONA
Legal Block	84
Legal Lot Number	6
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1034
Census Tract	950500

Owner

Source: Kossuth County records, as of July 10, 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	2109 E SPRUCE ST, ALGONA, IA 50511-1422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Deed Document Number	20261439
Deed Book / Page	2026 / 1439
Prior Transfer Date	Sep 4, 2025
Prior Transfer Doc	0000002416
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jun 3, 2026
Property Address	2109 E SPRUCE ST, ALGONA, IA 50511-1422
Document Number	0000001439
Book / Page	2026 / 1439
Instrument Date	May 28, 2026
Instrument	20261439
Transaction Type	Transfer
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,482.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 E SPRUCE ST, ALGONA, IA 50511-1422

Mortgage

Document Number	0000001440,
Date	Jun 3, 2026
Instrument	20261440

Lender

Name	FARMERS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 29, 2046

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

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	$1,499.00 Homeowner's exemption	$141,612 (+15.56%) Land $19,800 Building $121,812
2024	$1,499.00 (-12.8%)
2023		$122,545 Land $17,160 Building $105,385	$122,545 (-13.46%) Land $17,160 Building $105,385
2021	$1,719.00		$141,612 Land $19,800 Building $121,812

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 95% of the US · lower than 68% 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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Algona Municipal Utilities Cable	150 / 25

May also be available: Nextlink, T-Mobile, Verizon.

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