509 E Oak St, Algona, IA 50511 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,000 sqft · built 1959
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$148,500 (Nov 2023)
Tax Bill	$2,060 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-276-034`

Property Details

APN / Parcel Number

Primary APN	`22-02-276-034`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,000 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	35 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	509 E OAK ST
City	ALGONA
State	IA
Zip	50511-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 LOTS 16 & 17 BLK 2 CALLS PARK
Legal Subdivision	CALLS PARK ADD
Legal Block	2
Legal Lot Number	16 17
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	1
Census Block	1022
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	2 Individual Names on Record
Mailing Address	509 E OAK ST, ALGONA, IA 50511-1544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2024	Deed of Trust, Mortgage · Line of Credit FIRST BANK
May 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK
Nov 13, 2023	Warranty Deed, Transfer
Mar 19, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	Mar 19, 2019 · Amount on Record
Deed Document Number	20232838
Deed Book / Page	2023 / 2838
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	509 E OAK ST, ALGONA, IA 50511-1544
Transaction Type	Mortgage
Record Updated	Feb 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E OAK ST, ALGONA, IA 50511-1544

Mortgage

Document Number	002024/172
Date	Jan 24, 2024
Book Page	2024/172
Instrument	2024 0172

Lender

Name	FIRST BANK
Type	Bank
Address	EAGLE GROVE, IA 50533

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Oct 30, 2053

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	509 E OAK ST, ALGONA, IA 50511-1544
Transaction Type	Mortgage
Record Updated	Dec 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02022/1522
Date	May 16, 2022
Book Page	2022/1522
Instrument	2022 1522

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 13, 2029

Interest

Rate Type	Fixed Rate

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Nov 13, 2023
Property Address	509 E OAK ST, ALGONA, IA 50511-1544
Document Number	02023/2838
Book / Page	2023 / 2838
Instrument Date	Oct 10, 2023
Instrument	2023 2838
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Amount	Amount Recorded
Tax	$236.80
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	509 E OAK ST, ALGONA, IA 50511-1544

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Mar 19, 2019
Property Address	509 E OAK ST, ALGONA, IA 50511-1544
Document Number	002019/775
Book / Page	2019 / 775
Instrument Date	Mar 12, 2019
Instrument	775
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 E OAK ST, ALGONA, IA 50511-1544
Investor	Possibly a Property Investor

Mortgage

Document Number	002019/776
Date	Mar 19, 2019
Book Page	2019/776
Instrument	776

Lender

Name	FARMERS STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2034

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	$2,060.00	$139,592 (+39.89%) Land $14,625 Building $124,967
2024	$2,060.00 (+24.25%)
2023		$99,784 Land $13,000 Building $86,784	$99,784 (-28.52%) Land $13,000 Building $86,784
2021	$1,658.00		$139,592 Land $14,625 Building $124,967

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	2 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2019 · Severe Storms And Flooding

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	Not rated no burnable land within 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.

Nearby Properties on E Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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