2217 E Spruce St, Algona, IA 50511 Property Records

Kossuth County property record for 2217 E Spruce St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,880 sqft · built 1981
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$2,620 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`22-01-227-049`

Property Details

APN / Parcel Number

Primary APN	`22-01-227-049`
Alternative APN	`2201227026`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Basement Area	1,040 sqft
Finished Basement	780 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Detached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Patio Area	630 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2217 E SPRUCE ST
City	ALGONA
State	IA
Zip	50511-1424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 83 CALLS ADD & VAC ST
Legal Subdivision	CALLS ADD
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1034
Census Tract	950500

Owner

Source: Kossuth County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2217 E SPRUCE ST, ALGONA, IA 50511-1424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Also Known As (AKA)

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Aug 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	2217 E SPRUCE ST, ALGONA, IA 50511-1424
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1454
Date	May 25, 2021
Book Page	2021/1454
Instrument	2021 1454

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	2217 E SPRUCE ST, ALGONA, IA 50511-1424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2570
Date	Aug 23, 2019
Book Page	2019/2570
Instrument	2570

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2029

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	$2,620.00 (+25.72%) Homeowner's exemption	$323,916 (+15.86%) Land $35,640 Building $288,276
2024	$2,084.00 (-17.63%)
2023		$279,578 Land $30,888 Building $248,690	$279,578 (-13.69%) Land $30,888 Building $248,690
2021	$2,530.00		$323,916 Land $35,640 Building $288,276

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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