503 E Lucas St, Algona, IA 50511 Property Records

Kossuth County property record for 503 E Lucas St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,732 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$144,500 (Jan 2026)
Tax Bill	$1,714 (2025)
Deeds & Mortgages	Sep 2019 Refinance Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-430-014`

Property Details

APN / Parcel Number

Primary APN	`22-02-430-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,732 sqft Living Area
Basement Area	740 sqft
Unfinished Basement	740 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	290 sqft
Deck Area	64 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	503 E LUCAS ST
City	ALGONA
State	IA
Zip	50511-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 L 6 A P NE SE
Legal Range	29W
Legal Township	95N
Legal Section	02
Legal Subdivision	AUDITOR S PLAT
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2012
Census Tract	950500

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	503 E LUCAS ST, ALGONA, IA 50511-2443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CHURCHILL MORTGAGE INVEST
Jan 20, 2026	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Dec 16, 2025	Warranty Deed, Transfer · Conventional Mortgage IOWA STATE BANK
Jul 22, 2014	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	Jul 22, 2014 · Amount on Record
Deed Document Number	2026158
Deed Book / Page	2026 / 158
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	503 E LUCAS ST, ALGONA, IA 50511-2443
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/2657
Date	Sep 3, 2019
Book Page	2019/2657
Instrument	2657

Lender

Name	CHURCHILL MORTGAGE INVEST

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jan 20, 2026
Property Address	503 E LUCAS ST, ALGONA, IA 50511-2443
Document Number	002026/158
Book / Page	2026 / 158
Instrument Date	Jan 9, 2026
Instrument	2026 0158
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.40
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	503 E LUCAS ST, ALGONA, IA 50511-2443

Mortgage

Document Number	0020260159
Date	Jan 20, 2026
Instrument	2026 0159

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Dec 16, 2025
Property Address	503 E LUCAS ST, ALGONA, IA 50511-2443
Document Number	02025/3353
Book / Page	2025 / 3353
Instrument Date	Dec 12, 2025
Instrument	2025 3353
Transaction Type	Transfer
Record Updated	Feb 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$359.20
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	503 E LUCAS ST, ALGONA, IA 50511-2443
Investor	Possibly a Property Investor

Mortgage

Document Number	0020253362
Date	Dec 16, 2025
Instrument	2025 3362

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jul 22, 2014
Property Address	503 E LUCAS ST, ALGONA, IA 50511-2443
Document Number	02014/2140
Book / Page	2014 / 2140
Instrument Date	Jul 22, 2014
Instrument	2014 2140
Transaction Type	Transfer
Record Updated	Feb 12, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.00
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	503 E LUCAS ST, ALGONA, IA 50511-2443

Mortgage

Document Number	02014/2141
Date	Jul 22, 2014
Book Page	2014/2141
Instrument	2014 2141

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2044

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	$1,714.00 (+10.44%) Homeowner's exemption	$119,423 (+17.18%) Land $14,850 Building $104,573
2024	$1,552.00 (-5.94%)
2023		$101,915 Land $13,200 Building $88,715	$101,915 (-14.66%) Land $13,200 Building $88,715
2021	$1,650.00		$119,423 Land $14,850 Building $104,573

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	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

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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