607 E Elm St, Algona, IA 50511 Property Records

Kossuth County property record for 607 E Elm St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,456 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Nov 2019)
Tax Bill	$1,572 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-02-427-002`

Property Details

APN / Parcel Number

Primary APN	`22-02-427-002`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
Basement Area	728 sqft
Unfinished Basement	728 sqft
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	607 E ELM ST
City	ALGONA
State	IA
Zip	50511-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 EX W 1.2' BLK 9 CALLS & SMARTS ADD
Legal Subdivision	CALLS & SMARTS ADD
Legal Block	9
Legal Lot Number	4
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2008
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	607 E ELM ST, ALGONA, IA 50511-1608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Also Known As (AKA)

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage FRONTIER FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	20193614
Deed Book / Page	2019 / 3614
Last Transfer Date	Sep 20, 2021
Transfer Doc	0000002921
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Recording Date	May 11, 2026
Property Address	607 E ELM ST, ALGONA, IA 50511-1608
Document Number	0000001210
Book / Page	2026 / 1210
Instrument Date	Apr 30, 2026
Instrument	20261210
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 E ELM ST, ALGONA, IA 50511-1608

Mortgage

Document Number	0000001210,
Date	May 11, 2026
Book Page	2026/1210
Instrument	20261210

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	283 Months
Due	Dec 1, 2049

Interest

Rate	6.46%
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	607 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3615
Date	Nov 22, 2019
Book Page	2019/3615
Instrument	3615

Lender

Name	FRONTIER FINANCIAL INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$1,572.00 (+6.22%)	$99,560 (+13.9%) Land $11,700 Building $87,860
2024	$1,480.00
2023		$87,412 Land $10,400 Building $77,012	$87,412 (-12.2%) Land $10,400 Building $77,012
2021	$1,480.00		$99,560 Land $11,700 Building $87,860

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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