321 Keith St, Algona, IA 50511 Property Records

Kossuth County property record for 321 Keith St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,632 sqft · built 2014
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$414,000 (Nov 2023)
Tax Bill	$6,340 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22-11-153-015`

Property Details

APN / Parcel Number

Primary APN	`22-11-153-015`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,632 sqft Living Area
Basement Area	1,632 sqft
Finished Basement	1,100 sqft
Unfinished Basement	532 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	66 sqft
Deck Area	196 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 KEITH ST
City	ALGONA
State	IA
Zip	50511-3251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 EX E1/2 & LOT 19 RIVERVIEW HEIGHTS
Legal Subdivision	RIVERVIEW HEIGHTS
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	3
Census Block	3015
Census Tract	950400

Owner

321 Keith St is owned and occupied by two individuals who bought it in November 2023.

Source: Kossuth County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	321 KEITH ST, ALGONA, IA 50511-3251
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CREDIT UNION
Nov 3, 2023	Warranty Deed, Transfer · Conventional Mortgage BANK
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANKERS TRUST CO
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
Feb 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANKERS TRUST COMPANY NA
Dec 26, 2018	Warranty Deed, Transfer · Stand-Alone First Mortgage BANKERS TRUST COMPANY NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2023 · Amount on File
Deed Sale	Nov 3, 2023 · Amount on File
Prior Sale	Dec 26, 2018 · Amount on File
Deed Document Number	20232777
Deed Book / Page	2023 / 2777
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Recording Date	Apr 14, 2026
Property Address	321 KEITH ST, ALGONA, IA 50511-3251
Document Number	0000000921
Book / Page	2026 / 921
Instrument Date	Apr 6, 2026
Instrument	2026921
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 KEITH ST, ALGONA, IA 50511-3251

Mortgage

Document Number	0000000921,
Date	Apr 14, 2026
Book Page	2026/921
Instrument	2026921

Lender

Name	VERIDIAN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.43%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Nov 3, 2023
Property Address	321 KEITH ST, ALGONA, IA 50511-3251
Document Number	02023/2777
Book / Page	2023 / 2777
Instrument Date	Jul 11, 2023
Instrument	2023 2777
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$661.60
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 KEITH ST, ALGONA, IA 50511-3251

Mortgage

Document Number	0020232778
Date	Nov 3, 2023
Instrument	2023 2778

Lender

Name	BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	321 KEITH ST, ALGONA, IA 50511-3251
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/434
Date	Feb 16, 2021
Book Page	2021/434
Instrument	2021 0434

Lender

Name	BANKERS TRUST CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 10, 2026

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	321 KEITH ST, ALGONA, IA 50511-3251
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/160
Date	Jan 19, 2021
Book Page	2021/160
Instrument	2021 0160

Lender

Name	LOANDEPOT COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	321 KEITH ST, ALGONA, IA 50511-3251
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/500
Date	Feb 15, 2019
Book Page	2019/500
Instrument	500

Lender

Name	BANKERS TRUST COMPANY NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Mar 1, 2024

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Dec 26, 2018
Property Address	321 KEITH ST, ALGONA, IA 50511-3251
Document Number	2018/3809
Book / Page	2018 / 3809
Instrument Date	Dec 17, 2018
Instrument	2018-3809
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 KEITH ST, ALGONA, IA 50511-3251
Investor	Possibly a Property Investor

Mortgage

Document Number	02018/3810
Date	Dec 26, 2018
Book Page	2018/3810
Instrument	3810

Lender

Name	BANKERS TRUST COMPANY NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 321 Keith St was $6,340 with a homeowner's exemption, up 3.7% from the year before.

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	$6,340.00 (+3.66%) Homeowner's exemption	$412,401 Land $50,408 Building $361,993
2024	$6,116.00
2023		$371,352 Land $50,408 Building $320,944	$371,352 Land $50,408 Building $320,944
2021	$5,840.00		$412,401 Land $50,408 Building $361,993

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 321 Keith St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 321 Keith St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Algona Municipal Utilities Cable	150 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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