509 E North St, Algona, IA 50511 Property Records

Kossuth County property record for 509 E North St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,414 sqft · built 1900
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Feb 2023)
Tax Bill	$2,040 (2025)
Deeds & Mortgages	May 2023 Line of Credit Feb 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-434-007`

Property Details

APN / Parcel Number

Primary APN	`22-02-434-007`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,414 sqft Living Area
Basement Area	416 sqft
Unfinished Basement	416 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	240 sqft
Patio Area	272 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant

Location & Zoning

Street Address	509 E NORTH ST
City	ALGONA
State	IA
Zip	50511-2449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 6RD & N 8' OF E 76' OF L 10 A P
Legal Range	29W
Legal Township	95N
Legal Section	02
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2049
Census Tract	950500

Owner

Source: Kossuth County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	509 E NORTH ST, ALGONA, IA 50511-2449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Feb 21, 2023	Warranty Deed, Transfer · Conventional Mortgage IH MISSISSIPPI VALLEY CU
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jun 27, 2018	Deed of Trust, Mortgage FARMERS STATE BK ALGO
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Jun 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2023 · Amount on Record
Deed Sale	Feb 21, 2023 · Amount on Record
Prior Sale	Apr 13, 2022 · Amount on Record
Deed Document Number	2023469
Deed Book / Page	2023 / 469
Prior Transfer Date	Jun 22, 2018
Prior Transfer Doc	02018/1950
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	509 E NORTH ST, ALGONA, IA 50511-2449
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1087
Date	May 2, 2023
Book Page	2023/1087
Instrument	2023 1087

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Feb 21, 2023
Property Address	509 E NORTH ST, ALGONA, IA 50511-2449
Document Number	002023/469
Book / Page	2023 / 469
Instrument Date	Feb 16, 2023
Instrument	2023 0469
Transaction Type	Transfer
Record Updated	Apr 5, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E NORTH ST, ALGONA, IA 50511-2449

Mortgage

Document Number	002023/470
Date	Feb 21, 2023
Book Page	2023/470
Instrument	2023 0470

Lender

Name	IH MISSISSIPPI VALLEY CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2020
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	7%
Index	1-Year CMT
Max Rate	9%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	509 E NORTH ST, ALGONA, IA 50511-2449
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1165
Date	Apr 13, 2022
Book Page	2022/1165
Instrument	2022 1165

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	509 E NORTH ST, ALGONA, IA 50511-2449
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001951
Date	Jun 27, 2018
Book Page	0000002018/0000001951
Instrument	000000001951

Lender

Name	FARMERS STATE BK ALGO

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	509 E NORTH ST, ALGONA, IA 50511-2449
Transaction Type	Mortgage
Record Updated	May 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3666
Date	Dec 7, 2020
Book Page	2020/3666
Instrument	2020 3666

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jun 27, 2018
Property Address	509 E NORTH ST, ALGONA, IA 50511-2449
Document Number	02018/1950
Book / Page	2018 / 1950
Instrument Date	Jun 22, 2018
Instrument	000000001950
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E NORTH ST, ALGONA, IA 50511-2449

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	$2,040.00	$140,560 (+18.71%) Land $21,311 Building $119,249
2024	$2,040.00 (+83.12%)
2023		$118,404 Land $18,943 Building $99,461	$118,404 (-15.76%) Land $18,943 Building $99,461
2021	$1,114.00		$140,560 Land $21,311 Building $119,249

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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