613 E Elm St, Algona, IA 50511 Property Records

Kossuth County property record for 613 E Elm St, Algona, IA 50511

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,191 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Feb 2025)
Tax Bill	$1,614 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Dec 2022 Line of Credit + 9 more
Flood Zone	Zone X (minimal risk)
APN	`22-02-427-003`

Property Details

APN / Parcel Number

Primary APN	`22-02-427-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,191 sqft Living Area
Attic	Attic
Attic Area	359 sqft
Basement Area	652 sqft
Unfinished Basement	652 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	74 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	613 E ELM ST
City	ALGONA
State	IA
Zip	50511-1608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 2' OF 2 & ALL LOT 3 BLK 9 CALLS &
Legal Subdivision	CALL & SMARTS ADDITION TO ALGONA
Legal Block	9
Legal Lot Number	3
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	613 E ELM ST, ALGONA, IA 50511-1608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Dec 6, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Oct 12, 2007	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 22, 2007	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 16, 2009	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Nov 26, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jan 26, 2010	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Nov 3, 2006	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 1, 2010	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jan 2, 2013	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Feb 6, 2025	Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2025 · Amount on Record
Deed Sale	Feb 6, 2025 · Amount on Record
Prior Sale	Aug 16, 2023 · Amount on Record
Deed Document Number	2025396
Deed Book / Page	2025 / 396
Prior Transfer Date	Dec 6, 2022
Prior Transfer Doc	0000003624
Record Updated	Oct 29, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2927
Date	Oct 11, 2017
Book Page	2017/2927
Instrument	2017 2927

Lender

Name	NORTHWEST BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/3626
Date	Dec 6, 2022
Book Page	2022/3626
Instrument	2022-3626

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	UNITED GENERAL TITLE INSURANCE, UNITED GENERAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02007/4054
Date	Oct 12, 2007
Book Page	2007/4054
Instrument	2007 4054

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Aug 14, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02007/3440
Date	Aug 22, 2007
Book Page	2007/3440
Instrument	2007 3440

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	TAMPA, FL 33619

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2037

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/3879
Date	Sep 16, 2009
Book Page	2009/3879
Instrument	2009 3879

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2039

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	KATC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/4056
Date	Nov 26, 2012
Book Page	2012/4056
Instrument	2012 4056

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2027

January 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/0273
Date	Jan 26, 2010
Book Page	2010/0273
Instrument	2010 0273

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 1, 2039

November 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	UNITED GENERAL TITLE INSURANCE, UNITED GENERAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/3991
Date	Nov 3, 2006
Book Page	2006/3991
Instrument	2006 3991

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Oct 2, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/0974
Date	Apr 1, 2010
Book Page	2010/0974
Instrument	2010 0974

Lender

Name	NORTHWEST BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Mar 23, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOSSUTH IA
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/0012
Date	Jan 2, 2013
Book Page	2013/0012
Instrument	2013 0012

Lender

Name	NORTHWEST BANK
Type	Bank
Address	ALGONA, IA 50511

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 15, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOSSUTH IA
Recording Date	Feb 6, 2025
Property Address	613 E ELM ST, ALGONA, IA 50511-1608
Document Number	002025/396
Book / Page	2025 / 396
Instrument Date	Feb 6, 2025
Instrument	2025 0396
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 E ELM ST, ALGONA, IA 50511-1608

Mortgage

Document Number	0020250397
Date	Feb 6, 2025
Instrument	2025 0397

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2055

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	$1,614.00 (+49.17%)	$102,179 (+59.9%) Land $12,150 Building $90,029
2024	$1,082.00 (+50.7%)
2023		$63,901 Land $10,800 Building $53,101	$63,901 (-37.46%) Land $10,800 Building $53,101
2021	$718.00		$102,179 Land $12,150 Building $90,029

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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