2401 E Lucas St, Algona, IA 50511 Property Records

Kossuth County property record for 2401 E Lucas St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,968 sqft · built 2020
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$17,500 (Feb 2020)
Tax Bill	$1,452 (2025)
Deeds & Mortgages	May 2022 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-01-429-001`

Property Details

APN / Parcel Number

Primary APN	`22-01-429-001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,968 sqft Living Area
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	EIFS / Synthetic Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Metal
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	251 sqft
Patio Area	784 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2401 E LUCAS ST
City	ALGONA
State	IA
Zip	50511-1264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 EASTLAND HEIGH TS FOURTH ADD LOC IN
Legal Subdivision	EASTLAND HEIGHTS FOURTH ADD
Legal Lot Number	1
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1053
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	2 Individual Names on Record
Mailing Address	2401 E LUCAS ST, ALGONA, IA 50511-1264
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Aug 12, 2020	Deed of Trust, Mortgage · ARM NORTHWEST BANK
Feb 27, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2020 · Amount on Record
Deed Sale	Feb 27, 2020 · Amount on Record
Deed Document Number	2020631
Deed Book / Page	2020 / 631
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	2401 E LUCAS ST, ALGONA, IA 50511-1264
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1552
Date	May 18, 2022
Book Page	2022/1552
Instrument	2022 1552

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2032

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	2401 E LUCAS ST, ALGONA, IA 50511-1264
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2421
Date	Aug 12, 2020
Book Page	2020/2421
Instrument	2020 2421

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2026
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.87%
Index	1-Year CMT

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Feb 27, 2020
Property Address	2401 E LUCAS ST, ALGONA, IA 50511-1264
Document Number	2020/631
Book / Page	2020 / 631
Instrument Date	Feb 27, 2020
Instrument	631
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount Recorded
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

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	$1,452.00 (+37.63%) Homeowner's exemption	$495,507 (+6.8%) Land $69,282 Building $426,225
2024	$1,055.00 (-84.97%)
2023		$463,969 Land $57,734 Building $406,235	$463,969 (-6.36%) Land $57,734 Building $406,235
2021	$7,017.00		$495,507 Land $69,282 Building $426,225

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 97% of the US · lower than 76% 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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