405 Timber Ests, Algona, IA 50511 Property Records

Kossuth County property record for 405 Timber Ests, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 3,498 sqft · built 1999
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Sep 2026)
Tax Bill	$4,576 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`22-10-404-003`

Property Details

APN / Parcel Number

Primary APN	`22-10-404-003`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,498 sqft Living Area
Basement Area	1,749 sqft
Finished Basement	1,488 sqft
Unfinished Basement	261 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,333 sqft (0.88 acres)
Garage Type	Detached
Garage Area	1,048 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	1,422 sqft
Deck Area	156 sqft
Patio Area	350 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	405 TIMBER ESTS
City	ALGONA
State	IA
Zip	50511-7292
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 TIMBER ESTATES BEING PART OF SE1/4
Legal Range	29W
Legal Township	95N
Legal Section	10
Legal Subdivision	TIMBER ESTATES
Legal Lot Number	7
Jurisdiction	KOSSUTH IA
Township / Civil Division	CRESCO
Census Block Group	3
Census Block	3012
Census Tract	950400

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	405 TIMBER ESTS, ALGONA, IA 50511-7292
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Nov 29, 2023	Warranty Deed, Transfer · Conventional Mortgage COMMUNITYAMERICA CU
Aug 21, 2023	Deed of Trust, Mortgage BANK
Sep 25, 2017	Deed of Trust, Mortgage IOWA STATE BANK
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage IOWA STATE BANK
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage IOWA STATE BANK
Jul 10, 2020	Warranty Deed, Transfer · Conventional Mortgage IOWA STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Prior Sale	Nov 29, 2023 · Amount on Record
Deed Document Number	20262296
Deed Book / Page	2026 / 2296
Prior Transfer Date	Aug 13, 2010
Prior Transfer Doc	02010/2490
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Sep 2, 2026
Property Address	405 TIMBER ESTS, ALGONA, IA 50511-7292
Document Number	0000002296
Book / Page	2026 / 2296
Instrument Date	Aug 26, 2026
Instrument	20262296
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77,487.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 TIMBER ESTS, ALGONA, IA 50511-7292

Mortgage

Document Number	0000002297,
Date	Sep 2, 2026
Instrument	20262297

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Nov 29, 2023
Property Address	405 TIMBER ESTS, ALGONA, IA 50511-7292
Document Number	02023/2966
Book / Page	2023 / 2966
Instrument Date	Nov 15, 2023
Instrument	2023 2966
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$839.20
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	405 TIMBER ESTS, ALGONA, IA 50511-7292

Mortgage

Document Number	0020232967
Date	Nov 29, 2023
Instrument	2023 2967

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Dec 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12.6%
Margin	3
Max Rate	12.6%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	405 TIMBER ESTS, ALGONA, IA 50511-7292
Transaction Type	Mortgage
Record Updated	Sep 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2109
Date	Aug 21, 2023
Book Page	2023/2109
Instrument	2023 2109

Lender

Name	BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2033

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	405 TIMBER ESTS, ALGONA, IA 50511-7292
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2785
Date	Sep 25, 2017
Book Page	2017/2785
Instrument	2017 2785

Lender

Name	IOWA STATE BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	405 TIMBER ESTS, ALGONA, IA 50511-7292
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/819
Date	Mar 23, 2021
Book Page	2021/819
Instrument	2021 0819

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	405 TIMBER ESTS, ALGONA, IA 50511-7292
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2041
Date	Jul 10, 2020
Book Page	2020/2041
Instrument	2020 2041

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 10, 2021

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jul 10, 2020
Property Address	405 TIMBER ESTS, ALGONA, IA 50511-7292
Document Number	02020/2040
Book / Page	2020 / 2040
Instrument Date	Jun 17, 2020
Instrument	2020 2040
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$647.20
Amount Accuracy	Calculated from Transfer Tax
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	405 TIMBER ESTS, ALGONA, IA 50511-7292

Mortgage

Document Number	02020/2041
Date	Jul 10, 2020
Book Page	2020/2041
Instrument	2020 2041

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 10, 2021

Interest

Rate Type	Fixed Rate

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	$4,576.00 (+2.51%)	$496,134 (+9.5%) Land $34,749 Building $461,385
2024	$4,464.00 (-0.18%)
2023		$453,092 Land $34,749 Building $418,343	$453,092 (-8.68%) Land $34,749 Building $418,343
2021	$4,472.00		$496,134 Land $34,749 Building $461,385

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
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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Algona Municipal Utilities Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

Nearby Properties on Timber Ests

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures