609 E Kennedy St, Algona, IA 50511 Property Records

Kossuth County property record for 609 E Kennedy St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,478 sqft · built 1944
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Sep 2023)
Tax Bill	$3,018 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-11-228-022`

Property Details

APN / Parcel Number

Primary APN	`22-11-228-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,478 sqft Living Area
Attic	Attic
Attic Area	448 sqft
Basement Area	814 sqft
Unfinished Basement	1,030 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 2013
Exterior Material	Composition/Composite
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Patio Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	609 E KENNEDY ST
City	ALGONA
State	IA
Zip	50511-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 4RDS OF W 10RDS OF L 3 L 1 E 3/4 NE
Legal Range	29W
Legal Township	95N
Legal Section	11
Jurisdiction	KOSSUTH IA
Township / Civil Division	ALGONA
Census Block Group	3
Census Block	3021
Census Tract	950500

Owner

609 E Kennedy St is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	609 E KENNEDY ST, ALGONA, IA 50511-3522
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 23, 2017	Deed of Trust, Mortgage · ARM LUTHERAN CHURCH EXTENSION FUND MO
Sep 25, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 7, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2023 · Amount on File
Deed Sale	Sep 25, 2023 · Amount on File
Prior Sale	Nov 7, 2022 · Amount on File
Deed Document Number	20232397
Deed Book / Page	2023 / 2397
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	609 E KENNEDY ST, ALGONA, IA 50511-3522
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1943
Date	Jun 23, 2017
Book Page	2017/1943
Instrument	2017 1943

Lender

Name	LUTHERAN CHURCH EXTENSION FUND MO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63127

Agreement

Type	ARM
Amount	Amount on Record
Term	362 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	5 Years
Min Rate At Change	1.37%
Max Rate At Change	5.75%
Index	5-Year CMT
Max Rate	6.75%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Sep 25, 2023
Property Address	609 E KENNEDY ST, ALGONA, IA 50511-3522
Document Number	02023/2397
Book / Page	2023 / 2397
Instrument Date	Aug 30, 2023
Instrument	2023 2397
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.20
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	609 E KENNEDY ST, ALGONA, IA 50511-3522

Mortgage

Document Number	0020232398
Date	Sep 25, 2023
Instrument	2023 2398

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Nov 7, 2022
Property Address	609 E KENNEDY ST, ALGONA, IA 50511-3522
Document Number	02022/3343
Book / Page	2022 / 3343
Instrument Date	Nov 4, 2022
Instrument	2022 3343
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.60
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	609 E KENNEDY ST, ALGONA, IA 50511-3522

Mortgage

Document Number	02022/3344
Date	Nov 7, 2022
Book Page	2022/3344
Instrument	2022 3344

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 609 E Kennedy St was $3,018, up 9.1% 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	$3,018.00 (+9.11%)	$191,081 Land $13,530 Building $177,551
2024	$2,766.00
2023		$163,319 (+1.44%) Land $12,177 Building $151,142	$163,319 Land $12,177 Building $151,142
2022		$161,006 Land $12,177 Building $148,829
2021	$2,510.00		$191,081 Land $13,530 Building $177,551

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

Flood

FEMA maps place 609 E Kennedy 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 609 E Kennedy St is low, with 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 80% of the US · above 49% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Algona Municipal Utilities, Nextlink, T-Mobile, Verizon.

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