2317 E Spruce St, Algona, IA 50511 Property Records

Kossuth County property record for 2317 E Spruce St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1985
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$176,000 (Apr 2022)
Tax Bill	$2,958 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Apr 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`22-01-227-040`

Property Details

APN / Parcel Number

Primary APN	`22-01-227-040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 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	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	304 sqft
Patio Area	304 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2317 E SPRUCE ST
City	ALGONA
State	IA
Zip	50511-1426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 BLK 82 & W1/2 OF VAC DOYLE ST BTWN
Legal Subdivision	CALLS ADDITION TO ALGONA
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1034
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	Individual Name on Record
Mailing Address	2317 E SPRUCE ST, ALGONA, IA 50511-1426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2017	Deed of Trust, Mortgage IOWA STATE BANK
Apr 11, 2022	Legal Action/Court Order, Foreclosure · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2022 · Amount on Record
Deed Sale	Apr 11, 2022 · Amount on Record
Prior Sale	Jun 23, 2006 · Amount on Record
Deed Document Number	20221141
Deed Book / Page	2022 / 1141
Prior Transfer Date	Jun 22, 2006
Prior Transfer Doc	02006/2189
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	2317 E SPRUCE ST, ALGONA, IA 50511-1426
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2407
Date	Aug 15, 2017
Book Page	2017/2407
Instrument	2017 2407

Lender

Name	IOWA STATE BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	KOSSUTH IA
Recording Date	Apr 11, 2022
Property Address	2317 E SPRUCE ST, ALGONA, IA 50511-1426
Document Number	02022/1141
Book / Page	2022 / 1141
Instrument Date	Apr 1, 2022
Instrument	2022 1141
Transaction Type	Foreclosure
Record Updated	Oct 9, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2317 E SPRUCE ST, ALGONA, IA 50511-1426

Mortgage

Document Number	0020221142
Date	Apr 11, 2022
Instrument	2022 1142

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

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	$2,958.00 (+9.03%) Homeowner's exemption	$198,261 (+16.56%) Land $29,700 Building $168,561
2024	$2,713.00 (+24.85%)
2023		$170,091 Land $25,740 Building $144,351	$170,091 (-14.21%) Land $25,740 Building $144,351
2021	$2,173.00		$198,261 Land $29,700 Building $168,561

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 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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