515 W State St, Algona, IA 50511 Property Records

Kossuth County property record for 515 W State St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,173 sqft · built 1925
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$96,500 (May 2025)
Tax Bill	$1,310 (2025)
Deeds & Mortgages	Nov 2006 Mortgage Jul 2006 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-361-003`

Property Details

APN / Parcel Number

Primary APN	`22-02-361-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,173 sqft Living Area
Attic	Attic
Attic Area	277 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Deck Area	120 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 W STATE ST
City	ALGONA
State	IA
Zip	50511-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 56' OF LOT 2 BLK 34 O P
Legal Subdivision	ORIGINAL PLAT OF ALGONA
Legal Block	34
Legal Lot Number	2
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2027
Census Tract	950400

Owner

515 W State St is owned and occupied by an individual who bought it in May 2025.

Source: Kossuth County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	515 W STATE ST, ALGONA, IA 50511-2347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2006	Deed of Trust, Mortgage · ARM GMAC MORTGAGE CORP
Jul 14, 2006	Deed of Trust, Mortgage · Line of Credit GMAC MORTGAGE CORP
Jun 2, 2008	Deed of Trust, Mortgage CITY OF OLGA
May 27, 2025	Warranty Deed, Transfer · FHA Mortgage FLANAGAN STATE BANK
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 17, 2023	Warranty Deed, Transfer · Conventional Mortgage IOWA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2025 · Amount on File
Deed Sale	May 27, 2025 · Amount on File
Prior Sale	Jul 17, 2023 · Amount on File
Deed Document Number	20251487
Deed Book / Page	2025 / 1487
Record Updated	Oct 29, 2026

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	515 W STATE ST, ALGONA, IA 50511-2347
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/4149
Date	Nov 14, 2006
Book Page	2006/4149
Instrument	2006 4149

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Nov 1, 2013
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	12.6%
Index	1-Year LIBOR
Max Rate	12.6%

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	515 W STATE ST, ALGONA, IA 50511-2347
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/2478
Date	Jul 14, 2006
Book Page	2006/2478
Instrument	2006 2478

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Index	Prime Rate

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	515 W STATE ST, ALGONA, IA 50511-2347
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/2073
Date	Jun 2, 2008
Book Page	2008/2073
Instrument	2008 2073

Lender

Name	CITY OF OLGA
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	May 27, 2025
Property Address	515 W STATE ST, ALGONA, IA 50511-2347
Document Number	02025/1487
Book / Page	2025 / 1487
Instrument Date	May 23, 2025
Instrument	2025 1487
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153.60
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 W STATE ST, ALGONA, IA 50511-2347

Mortgage

Document Number	0020251488
Date	May 27, 2025
Instrument	2025 1488

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	515 W STATE ST, ALGONA, IA 50511-2347
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2710
Date	Aug 30, 2021
Book Page	2021/2710
Instrument	2021 2710

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Jul 17, 2023
Property Address	515 W STATE ST, ALGONA, IA 50511-2347
Document Number	02023/1821
Book / Page	2023 / 1821
Instrument Date	May 22, 2023
Instrument	2023 1821
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
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
Address	515 W STATE ST, ALGONA, IA 50511-2347

Mortgage

Document Number	0020231822
Date	Jul 17, 2023
Instrument	2023 1822

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 515 W State St was $1,310 with a homeowner's exemption, up 22.7% from the year before.

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	$1,310.00 (+22.66%) Homeowner's exemption	$93,799 Land $7,000 Building $86,799
2024	$1,068.00
2023		$73,276 (+10.79%) Land $7,000 Building $66,276	$73,276 Land $7,000 Building $66,276
2022		$66,138 Land $7,000 Building $59,138
2021	$1,234.00		$93,799 Land $7,000 Building $86,799

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 515 W State St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 515 W State St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
Algona Municipal Utilities Cable	150 / 25
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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