314 E Ash St, Watseka, IL 60970 Property Records

Iroquois County property record for 314 E Ash St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.203 acres (8,867 sqft)
Owner	Individual Name on Record
Last Sale	$30,000 (Oct 2023)
Tax Bill	$2,787 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`19 32 431 021`

Property Details

APN / Parcel Number

Primary APN	`19 32 431 021`

Exterior

Lot Area	8,867 sqft (0.203 acres)

Location & Zoning

Street Address	314 E ASH ST
City	WATSEKA
State	IL
Zip	60970-1335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 10' LT 12 & LT 13 BLK 4
Legal Subdivision	STANLEYS ADDITION
Legal Block	4
Legal Lot Number	12,13
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1028
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	314 E ASH ST, WATSEKA, IL 60970-1335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Closed-End Mortgage COMMONWEALTH CREDIT UNION
Oct 3, 2023	Warranty Deed, Transfer · Closed-End Mortgage COMMONWEALTH CREDIT UNION
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Oct 15, 2021 · Amount on Record
Deed Document Number	20232863
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	314 E ASH ST, WATSEKA, IL 60970-1335
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E ASH ST, WATSEKA, IL 60970-1335

Mortgage

Document Number	00025R3999
Date	Nov 24, 2025
Instrument	25R3999

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	BOURBONNAIS, IL 60914

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

Interest

Rate	8.5%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Oct 3, 2023
Property Address	314 E ASH ST, WATSEKA, IL 60970-1335
Document Number	00023R2863
Instrument Date	Oct 3, 2023
Instrument	23R2863
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 E ASH ST, WATSEKA, IL 60970-1335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E ASH ST, WATSEKA, IL 60970-1335

Mortgage

Document Number	00023R2864
Date	Oct 3, 2023
Instrument	23R2864

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Oct 15, 2021
Property Address	314 E ASH ST, WATSEKA, IL 60970-1335
Document Number	21R4283
Instrument Date	Oct 15, 2021
Instrument	21R4283
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	829 E LOCUST ST, 829, WATSEKA, IL 60970-1816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 HOWARD ST TRLR 23, 23, RAYMOND, WA 98577-1529

Mortgage

Document Number	21R4284
Date	Oct 15, 2021
Instrument	21R4284

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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	$2,787.00 (+228.27%)	$33,320 (+68.2%) Land $1,750 Building $31,570	$99,960 (+68.2%) Land $5,250 Building $94,710
2022	$849.00 Homeowner's exemption Senior Citizen's exemption	$19,810 Land $1,230 Building $18,580	$59,430 Land $3,690 Building $55,740

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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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