515 E Elm St, Algona, IA 50511 Property Records

Kossuth County property record for 515 E Elm St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,318 sqft · built 1930
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$87,000 (Jan 2022)
Tax Bill	$1,400 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Nov 2014 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-02-426-003`

Property Details

APN / Parcel Number

Primary APN	`22-02-426-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,318 sqft Living Area
Attic	Attic
Attic Area	468 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	124 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 E ELM ST
City	ALGONA
State	IA
Zip	50511-1563
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 132' OF W 66' OF L 3 A P NE SE
Legal Range	29W
Legal Township	95N
Legal Section	02
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2009
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	Individual Name on Record
Mailing Address	515 E ELM ST, ALGONA, IA 50511-1563
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Nov 21, 2014	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2022 · Amount on Record
Deed Sale	Jan 12, 2022 · Amount on Record
Prior Sale	Nov 21, 2014 · Amount on Record
Deed Document Number	2022161
Deed Book / Page	2022 / 161
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jan 12, 2022
Property Address	515 E ELM ST, ALGONA, IA 50511-1563
Document Number	002022/161
Book / Page	2022 / 161
Instrument Date	Jan 7, 2022
Instrument	2022 0161
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E ELM ST, ALGONA, IA 50511-1563

Mortgage

Document Number	0020220162
Date	Jan 12, 2022
Instrument	2022 0162

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

November 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Nov 21, 2014
Property Address	515 E ELM ST, ALGONA, IA 50511-1563
Document Number	02014/3330
Book / Page	2014 / 3330
Instrument Date	Nov 20, 2014
Instrument	2014 3330
Transaction Type	Transfer
Record Updated	Feb 16, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E ELM ST, ALGONA, IA 50511-1563

Mortgage

Document Number	02014/3331
Date	Nov 21, 2014
Book Page	2014/3331
Instrument	2014 3331

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 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	$1,400.00 (+7.36%) Homeowner's exemption	$99,522 (+14.14%) Land $14,850 Building $84,672
2024	$1,304.00 (+3.16%)
2023		$87,192 Land $13,200 Building $73,992	$87,192 (-12.39%) Land $13,200 Building $73,992
2021	$1,264.00		$99,522 Land $14,850 Building $84,672

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	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.

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