2313 E Spruce St, Algona, IA 50511 Property Records

Kossuth County property record for 2313 E Spruce St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1982
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Jun 2026)
Tax Bill	$2,236 (2025)
Deeds & Mortgages	Jun 2026 Sale & Line of Credit Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-01-227-030`

Property Details

APN / Parcel Number

Primary APN	`22-01-227-030`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	1,008 sqft
Finished Basement	700 sqft
Unfinished Basement	308 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Deck Area	308 sqft
Patio Area	404 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2313 E SPRUCE ST
City	ALGONA
State	IA
Zip	50511-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 BLK 82 CALLS ADD
Legal Subdivision	CALLS ADDITION TO ALGONA
Legal Block	82
Legal Lot Number	7
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1034
Census Tract	950500

Owner

2313 E Spruce St is owned and occupied by two individuals who bought it in June 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	2313 E SPRUCE ST, ALGONA, IA 50511-1426
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Jun 11, 2026	Warranty Deed, Transfer · Line of Credit FARMERS STATE BANK
Jun 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE CORP
Jun 11, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	Jun 11, 2020 · Amount on File
Deed Document Number	20261565
Deed Book / Page	2026 / 1565
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jun 11, 2026
Property Address	2313 E SPRUCE ST, ALGONA, IA 50511-1426
Document Number	0000001565
Book / Page	2026 / 1565
Instrument Date	Jun 3, 2026
Instrument	20261565
Transaction Type	Transfer
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,351.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2313 E SPRUCE ST, ALGONA, IA 50511-1426

Mortgage

Document Number	0000001566,
Date	Jun 11, 2026
Instrument	20261566

Lender

Name	FARMERS STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 8, 2056

Interest

Rate	6.3%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	2313 E SPRUCE ST, ALGONA, IA 50511-1426
Transaction Type	Mortgage
Record Updated	Jul 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1606
Date	Jun 27, 2023
Book Page	2023/1606
Instrument	2023 1606

Lender

Name	WINTRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jun 11, 2020
Property Address	2313 E SPRUCE ST, ALGONA, IA 50511-1426
Document Number	2020/1721
Book / Page	2020 / 1721
Instrument Date	May 28, 2020
Instrument	2020 1721
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2313 E SPRUCE ST, ALGONA, IA 50511-1426

Mortgage

Document Number	20201722
Date	Jun 11, 2020
Instrument	2020 1722

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2313 E Spruce St was $2,236 with a homeowner's exemption, up 8.2% 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	$2,236.00 (+8.18%) Homeowner's exemption	$152,556 Land $19,800 Building $132,756
2024	$2,067.00
2023		$131,944 Land $17,160 Building $114,784	$131,944 Land $17,160 Building $114,784
2021	$2,167.00		$152,556 Land $19,800 Building $132,756

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

Flood

FEMA maps place 2313 E Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2019.

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

Wildfire risk around 2313 E Spruce 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 96% of the US · lower than 71% 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130

May also be available: Algona Municipal Utilities, Nextlink, Verizon.

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