28 Schutter Cir, Algona, IA 50511 Property Records

Kossuth County property record for 28 Schutter Cir, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,868 sqft · built 1998
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,500 (Sep 2026)
Deeds & Mortgages	Sep 2026 Sale May 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-20-132-011`

Property Details

APN / Parcel Number

Primary APN	`19-20-132-011`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,868 sqft Living Area
Attic	Attic
Attic Area	580 sqft
Basement Area	1,288 sqft
Finished Basement	1,012 sqft
Unfinished Basement	322 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	92 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	28 SCHUTTER CIR
City	ALGONA
State	IA
Zip	50511-5001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 1ST ADD OAK LAKE PROP INC IN
Legal Range	28W
Legal Township	96N
Legal Section	20
Legal Subdivision	OAK LAKE
Legal Lot Number	28
Jurisdiction	KOSSUTH IA
Township / Civil Division	PLUM CREEK
Census Block Group	2
Census Block	2038
Census Tract	950200

Owner

Source: Kossuth County records, as of October 13, 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	295 E FULLER DR, GARNER, IA 50438-8779
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Fiduciary Deed, Transfer NONE LISTED ON DOCUMENT
May 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance IOWA STATE BANK
Apr 23, 2019	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2026 · Amount on Record
Deed Sale	Sep 24, 2026 · Amount on Record
Deed Document Number	20262461
Deed Book / Page	2026 / 2461
Prior Transfer Date	Apr 17, 2019
Prior Transfer Doc	2019/1149
Record Updated	Oct 29, 2026

September 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	KOSSUTH IA
Recording Date	Sep 24, 2026
Property Address	28 SCHUTTER CIR, ALGONA, IA 50511-5001
Document Number	0000002461
Book / Page	2026 / 2461
Instrument Date	Sep 14, 2026
Instrument	20262461
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$61,408.00
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	295 E FULLER DR, GARNER, IA 50438-8779

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	28 SCHUTTER CIR, ALGONA, IA 50511-5001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1519
Date	May 24, 2019
Book Page	2019/1519
Instrument	1519

Lender

Name	IOWA STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	KOSSUTH IA
Recording Date	Apr 23, 2019
Property Address	28 SCHUTTER CIR, ALGONA, IA 50511-5001
Document Number	2019/1149
Book / Page	2019 / 1149
Instrument Date	Apr 17, 2019
Instrument	1149
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 SCHUTTER CIR, ALGONA, IA 50511-5001

Tax Assessment & Valuation

Source: Kossuth County assessment roll, as of October 9, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Kossuth County
Unified School District	Algona Community School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$342,177 (+3.33%) Land $95,830 Building $246,347
2023	$331,165 Land $95,830 Building $235,335	$331,165 (-3.22%) Land $95,830 Building $235,335
2021		$342,177 Land $95,830 Building $246,347

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 82% 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	OAK LAKE MAINTENANCE, INC. private · serves 128 people · EPA ID IA5500838
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Algona Municipal Utilities Cable	150 / 25

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Schutter Cir

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