608 E Elm St, Algona, IA 50511 Property Records

Kossuth County property record for 608 E Elm St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,087 sqft · built 1928
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$92,500 (Apr 2026)
Tax Bill	$1,044 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`22-02-431-002`

Property Details

APN / Parcel Number

Primary APN	`22-02-431-002`

Interior

Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,087 sqft Living Area
Basement Area	1,087 sqft
Unfinished Basement	1,087 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
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	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace

Location & Zoning

Street Address	608 E ELM ST
City	ALGONA
State	IA
Zip	50511-1607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 BLK 4 CALLS & SMARTS ADD
Legal Subdivision	CALL AND SMARTS ADDITION TO ALGONA
Legal Block	4
Legal Lot Number	9
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	2
Census Block	2013
Census Tract	950500

Owner

Source: Kossuth County records, as of September 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	608 E ELM ST, ALGONA, IA 50511-1607
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Fiduciary Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Apr 10, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Mar 31, 2021 · Amount on Record
Deed Document Number	2026886
Deed Book / Page	2026 / 886
Prior Transfer Date	Mar 20, 2026
Prior Transfer Doc	0000000887
Record Updated	Oct 29, 2026

April 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	KOSSUTH IA
Recording Date	Apr 10, 2026
Property Address	608 E ELM ST, ALGONA, IA 50511-1607
Document Number	0000000886
Book / Page	2026 / 886
Instrument Date	Mar 20, 2026
Instrument	2026886
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$14,867.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 E ELM ST, ALGONA, IA 50511-1607

Mortgage

Document Number	002026/888,
Date	Apr 10, 2026
Instrument	2026888

Lender

Name	FLANAGAN STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KOSSUTH IA
Recording Date	Apr 10, 2026
Property Address	608 E ELM ST, ALGONA, IA 50511-1607
Document Number	0000000887
Book / Page	2026 / 887
Instrument Date	Mar 20, 2026
Instrument	2026887
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	608 E ELM ST, ALGONA, IA 50511-1607

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	$1,044.00 (+6.97%) Homeowner's exemption	$77,043 (+13.63%) Land $12,519 Building $64,524
2024	$976.00 (+15.09%)
2023		$67,804 Land $11,128 Building $56,676	$67,804 (-11.99%) Land $11,128 Building $56,676
2021	$848.00		$77,043 Land $12,519 Building $64,524

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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