401 E Lucas St, Algona, IA 50511 Property Records

Kossuth County property record for 401 E Lucas St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,496 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$18,500 (Aug 2019)
Tax Bill	$1,464 (2025)
Deeds & Mortgages	Sep 2019 Refinance Aug 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`22-02-405-008`

Property Details

APN / Parcel Number

Primary APN	`22-02-405-008`

Interior

Full Baths	1 Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
Attic	Attic
Attic Area	464 sqft
Basement Area	1,032 sqft
Unfinished Basement	1,032 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 E LUCAS ST
City	ALGONA
State	IA
Zip	50511-2441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 107 1/4' OF S 66' L 17 A P OF W 10RDS
Legal Subdivision	CALLS ADDITION TO ALGONA
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2011
Census Tract	950500

Owner

401 E Lucas St is owned by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	315 N THORINGTON ST, ALGONA, IA 50511-2438
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
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Aug 6, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2019 · Amount on File
Deed Sale	Aug 6, 2019 · Amount on File
Prior Sale	Sep 27, 2006 · Amount on File
Deed Document Number	20192378
Deed Book / Page	2019 / 2378
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	401 E LUCAS ST, ALGONA, IA 50511-2441
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2873
Date	Sep 20, 2019
Book Page	2019/2873
Instrument	2873

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Aug 6, 2019
Property Address	401 E LUCAS ST, ALGONA, IA 50511-2441
Document Number	2019/2378
Book / Page	2019 / 2378
Instrument Date	Jul 19, 2019
Instrument	2019-2378
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 N THORINGTON ST, ALGONA, IA 50511-2438

Tax Assessment & Valuation

The 2025 property tax bill for 401 E Lucas St was $1,464, up 6.4% 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	$1,464.00 (+6.4%)	$92,767 Land $13,662 Building $79,105
2024	$1,376.00
2023		$81,238 Land $12,144 Building $69,094	$81,238 Land $12,144 Building $69,094
2021	$1,310.00		$92,767 Land $13,662 Building $79,105

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

Flood

FEMA maps place 401 E Lucas St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 401 E Lucas St is low, with less than 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 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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