314 E Oak St, Watseka, IL 60970 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.169 acres (7,361 sqft)
Owner	2 Individual Names on Record
Last Sale	$78,000 (Feb 2018)
Tax Bill	$3,155 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19 32 434 010`

Property Details

APN / Parcel Number

Primary APN	`19 32 434 010`

Exterior

Lot Area	7,361 sqft (0.169 acres)

Location & Zoning

Street Address	314 E OAK ST
City	WATSEKA
State	IL
Zip	60970-1348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STANLEY'S ADD LT 13 BLK 5
Legal Subdivision	STANLEY'S ADD
Legal Block	5
Legal Lot Number	13
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	2 Individual Names on Record
Mailing Address	314 E OAK ST, WATSEKA, IL 60970-1348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Nov 3, 2021	Transfer on Death Deed, Transfer
Feb 28, 2018	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2018 · Amount on Record
Deed Sale	Feb 28, 2018 · Amount on Record
Deed Document Number	2018584
Last Transfer Date	Nov 3, 2021
Transfer Doc	0000004576
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	314 E OAK ST, WATSEKA, IL 60970-1348
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00022R1113
Date	Mar 29, 2022
Instrument	22R1113

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 10, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	IROQUOIS IL
Recording Date	Nov 3, 2021
Property Address	314 E OAK ST, WATSEKA, IL 60970-1348
Document Number	21R4576
Instrument Date	Nov 3, 2021
Instrument	21R4576
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 E OAK ST, 314, WATSEKA, IL 60970-1348

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2185 MEGAN DR, OAKLEY, CA 94561-3958

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Feb 28, 2018
Property Address	314 E OAK ST, WATSEKA, IL 60970-1348
Document Number	18R0584
Instrument Date	Feb 27, 2018
Instrument	18R0584
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$117.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	314 E OAK ST, WATSEKA, IL 60970-1348

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	$3,155.00 (+100.44%)	$41,930 (+57.22%) Land $6,420 Building $35,510	$125,790 (+57.22%) Land $19,260 Building $106,530
2022	$1,574.00 Homeowner's exemption Senior Citizen's exemption	$26,670 Land $4,520 Building $22,150	$80,010 Land $13,560 Building $66,450

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 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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