321 E Lucas St, Algona, IA 50511 Property Records

Kossuth County property record for 321 E Lucas St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,776 sqft · built 1900
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,000 (Feb 2023)
Tax Bill	$2,532 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2011 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-404-019`

Property Details

APN / Parcel Number

Primary APN	`22-02-404-019`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,776 sqft Living Area
Basement Area	960 sqft
Unfinished Basement	960 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Detached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant

Location & Zoning

Street Address	321 E LUCAS ST
City	ALGONA
State	IA
Zip	50511-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 EX N 50' & EX E 3.7' BLK 1 AP OF W
Legal Subdivision	AUDITORS PLAT OF RESERVATION NO 1
Legal Lot Number	1
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1029
Census Tract	950400

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	321 E LUCAS ST, ALGONA, IA 50511-2420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage IOWA BANKERS MORTGAGE CORPORATION
Jun 13, 2011	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 18, 2011	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jun 3, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage IOWA BANKERS MORTGAGE CORPORATION
Feb 16, 2023	Warranty Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Feb 16, 2023	Warranty Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
May 24, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage IOWA BANKERS MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2023 · Amount on Record
Deed Sale	Feb 16, 2023 · Amount on Record
Prior Sale	May 24, 2019 · Amount on Record
Deed Document Number	2023443
Deed Book / Page	2023 / 443
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	321 E LUCAS ST, ALGONA, IA 50511-2420
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1644
Date	Jun 3, 2019
Book Page	2019/1644
Instrument	1644

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	321 E LUCAS ST, ALGONA, IA 50511-2420
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02011/1794
Date	Jun 13, 2011
Book Page	2011/1794
Instrument	2011 1794

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2041

July 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	321 E LUCAS ST, ALGONA, IA 50511-2420
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02011/2224
Date	Jul 18, 2011
Book Page	2011/2224
Instrument	2011 2224

Lender

Name	NORTHWEST BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	321 E LUCAS ST, ALGONA, IA 50511-2420
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1644
Date	Jun 3, 2019
Book Page	2019/1644
Instrument	1644

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Feb 16, 2023
Property Address	321 E LUCAS ST, ALGONA, IA 50511-2420
Document Number	02023/0443
Book / Page	2023 / 0443
Instrument Date	Feb 9, 2023
Instrument	2023 0443
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 E LUCAS ST, ALGONA, IA 50511-2420

Mortgage

Document Number	02023/0444
Date	Feb 16, 2023
Book Page	2023/0444
Instrument	2023 0444

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Feb 16, 2023
Property Address	321 E LUCAS ST, ALGONA, IA 50511-2420
Document Number	002023/443
Book / Page	2023 / 443
Instrument Date	Feb 9, 2023
Instrument	2023 0443
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	321 E LUCAS ST, ALGONA, IA 50511-2420

Mortgage

Document Number	0020230444
Date	Feb 16, 2023
Instrument	2023 0444

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	May 24, 2019
Property Address	321 E LUCAS ST, ALGONA, IA 50511-2420
Document Number	02019/1527
Book / Page	2019 / 1527
Instrument Date	Apr 23, 2019
Instrument	1527
Transaction Type	Transfer
Record Updated	Mar 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	321 E LUCAS ST, ALGONA, IA 50511-2420

Mortgage

Document Number	02019/1528
Date	May 24, 2019
Book Page	2019/1528
Instrument	1528

Lender

Name	IOWA BANKERS MORTGAGE CORPORATION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$2,532.00 (+7.47%)	$160,330 (+14.4%) Land $16,421 Building $143,909
2024	$2,356.00 (+54.19%)
2023		$140,149 Land $14,596 Building $125,553	$140,149 (-12.59%) Land $14,596 Building $125,553
2021	$1,528.00		$160,330 Land $16,421 Building $143,909

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

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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Algona Municipal Utilities Cable · Fiber in parts of the area	150 / 25
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, T-Mobile.

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