31 Schutter Cir, Algona, IA 50511 Property Records

Kossuth County property record for 31 Schutter Cir, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,215 sqft · built 1974
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Jul 2024)
Tax Bill	$3,324 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-20-132-001`

Property Details

APN / Parcel Number

Primary APN	`19-20-132-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,215 sqft Living Area
Basement Area	1,050 sqft
Finished Basement	800 sqft
Unfinished Basement	250 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	165 sqft
Deck Area	282 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	31 SCHUTTER CIR
City	ALGONA
State	IA
Zip	50511-5001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 31 1ST ADD OAK LAKE PROP INC IN
Legal Range	28W
Legal Township	96N
Legal Section	20
Legal Subdivision	OAK LAKE
Legal Lot Number	31
Jurisdiction	KOSSUTH IA
Township / Civil Division	PLUM CREEK
Census Block Group	2
Census Block	2037
Census Tract	950200

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	31 SCHUTTER CIR, ALGONA, IA 50511-5001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit IOWA STATE BANK
Mar 16, 2018	Deed of Trust, Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2024 · Amount on Record
Deed Sale	Jul 17, 2024 · Amount on Record
Deed Document Number	20241595
Deed Book / Page	2024 / 1595
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	31 SCHUTTER CIR, ALGONA, IA 50511-5001
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1921
Date	Jul 28, 2023
Book Page	2023/1921
Instrument	2023 1921

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 24, 2033

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	31 SCHUTTER CIR, ALGONA, IA 50511-5001
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000718
Date	Mar 16, 2018
Book Page	0000002018/0000000718
Instrument	000000000718

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,324.00 (-9.18%) Homeowner's exemption	$372,249 (-0.86%) Land $155,793 Building $216,456
2024	$3,660.00 (+23.73%)
2023		$375,491 Land $155,793 Building $219,698	$375,491 (+0.87%) Land $155,793 Building $219,698
2021	$2,958.00		$372,249 Land $155,793 Building $216,456

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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