304 E Oak St, Watseka, IL 60970 Property Records

Iroquois County property record for 304 E Oak St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.072 acres (3,155 sqft)
Owner	Individual Name on Record
Last Sale	$31,666 (Oct 2022)
Tax Bill	$3,906 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19 32 434 016`

Property Details

APN / Parcel Number

Primary APN	`19 32 434 016`

Exterior

Lot Area	3,155 sqft (0.072 acres)

Location & Zoning

Street Address	304 E OAK ST
City	WATSEKA
State	IL
Zip	60970-1348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LTS 10 & 11 BLK 5 TRACT C 1/6 INT DR
Legal Subdivision	STANLEYS ADDITION
Legal Tract	C
Legal Block	5
Legal Lot Number	10,11
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1035
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	Individual Name on Record
Mailing Address	304 E OAK ST, WATSEKA, IL 60970-1348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION
Oct 24, 2022	Warranty Deed, Transfer · Closed-End Mortgage L&N FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2022 · Amount on Record
Deed Sale	Oct 24, 2022 · Amount on Record
Deed Document Number	20223858
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Recording Date	Aug 19, 2026
Property Address	304 E OAK ST, WATSEKA, IL 60970-1348
Document Number	0000002904
Instrument Date	Aug 14, 2026
Instrument	20262904
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E OAK ST, WATSEKA, IL 60970-1348

Mortgage

Document Number	0000002904,
Date	Aug 19, 2026
Instrument	20262904

Lender

Name	COMMONWEALTH CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Rate	5.7%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Oct 24, 2022
Property Address	304 E OAK ST, WATSEKA, IL 60970-1348
Document Number	00022R3858
Instrument Date	Oct 24, 2022
Instrument	22R3858
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 E OAK ST, 304, WATSEKA, IL 60970-1348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E OAK ST, WATSEKA, IL 60970-1348

Mortgage

Document Number	00022R3859
Date	Oct 24, 2022
Instrument	22R3859

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2032

Interest

Rate	4.95%

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	$3,906.00 (+18.54%)	$44,290 (+42%) Land $2,370 Building $41,920	$132,870 (+42%) Land $7,110 Building $125,760
2022	$3,295.00	$31,190 Land $1,670 Building $29,520	$93,570 Land $5,010 Building $88,560

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 August 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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	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	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 524 locations within half a mile, as of December 31, 2025

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

May also be available: Nextlink, Watch TV.

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