It is in the Lumbridge swamp.
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Bring a water talisman, a plain tiara then go to the water altar, and use the tiara on it, you will lose the water talisman, but you will obtain a water tiara.
Speak to estate agents in Runescape. One of them is in east varrock just opposite the altar
It's just to the west of varrock.
Well obviously, It's the prayer altar at 5 east 7 north and 28 west.
The fire altar can be found directly outside of the duel arena in Al-karid. (Al-Karid is found by entering the gate east of Lumbridge)