111 E Elm St, Watseka, IL 60970 Property Records

Iroquois County property record for 111 E Elm St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.228 acres (9,938 sqft)
Owner	2 Individual Names on Record
Last Sale	$129,900 (Aug 2021)
Tax Bill	$3,414 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`19 32 427 004`

Property Details

APN / Parcel Number

Primary APN	`19 32 427 004`

Exterior

Lot Area	9,938 sqft (0.228 acres)

Location & Zoning

Street Address	111 E ELM ST
City	WATSEKA
State	IL
Zip	60970-1336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 4 BLK 1 CITY OF WATSEKA
Legal Block	1
Legal Lot Number	4
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1019
Census Tract	950400

Owner

Source: Iroquois County records, as of July 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	111 E ELM ST, WATSEKA, IL 60970-1336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 2, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2021 · Amount on Record
Deed Sale	Aug 2, 2021 · Amount on Record
Prior Sale	Sep 16, 2009 · Amount on Record
Deed Document Number	20213031
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	111 E ELM ST, WATSEKA, IL 60970-1336
Transaction Type	Mortgage
Record Updated	Nov 9, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 E ELM ST, WATSEKA, IL 60970-1336

Mortgage

Document Number	00023R3013
Date	Oct 20, 2023
Instrument	23R3013

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 2, 2021
Property Address	111 E ELM ST, WATSEKA, IL 60970-1336
Document Number	21R3031
Instrument Date	Aug 2, 2021
Instrument	21R3031
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 S 5TH ST, 220, WATSEKA, IL 60970-1660

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	111 E ELM ST, WATSEKA, IL 60970-1336

Mortgage

Document Number	21R3032
Date	Aug 2, 2021
Instrument	21R3032

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Middleport Township
Municipality	Watseka City
Unified School District	Iroquois County Community Unit School District 9 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,414.00 (+51.2%)	$39,470 (+41.98%) Land $6,000 Building $33,470	$118,410 (+41.98%) Land $18,000 Building $100,410
2022	$2,258.00 Homeowner's exemption	$27,800 Land $4,230 Building $23,570	$83,400 Land $12,690 Building $70,710

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	38 in force
Nearby Flood Claims	237 (1979–2018)
Claims Outside the SFHA	4 of 237
Most Recent Claim	Feb 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Feb 2008 · 106 claims

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	WATSEKA serves 4,767 people · EPA ID IL0750900
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	5 ppb (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	2 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 227 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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