320 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 320 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.306 acres (13,347 sqft)
Owner	Individual Name on Record
Last Sale	$258,000 (Jun 2026)
Tax Bill	$5,471 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2017 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19 32 484 017`

Property Details

APN / Parcel Number

Primary APN	`19 32 484 017`

Exterior

Lot Area	13,347 sqft (0.306 acres)

Location & Zoning

Street Address	320 E LOCUST ST
City	WATSEKA
State	IL
Zip	60970-1754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STANLEY'S ADD LT 14 & W 40'
Legal Subdivision	STANLEY'S ADD
Legal Lot Number	14
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	2
Census Block	2016
Census Tract	950400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Watseka Downtown Historic District listed 2026 · 34 contributing resources · NRIS 100012297

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	320 E LOCUST ST, WATSEKA, IL 60970-1754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage PNC BANK
Apr 17, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Jun 1, 2015 · Amount on Record
Deed Document Number	20262027
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jun 15, 2026
Property Address	320 E LOCUST ST, WATSEKA, IL 60970-1754
Document Number	0000002027
Instrument Date	Jun 8, 2026
Instrument	20262027
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,087.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	320 E LOCUST ST, WATSEKA, IL 60970-1754

Mortgage

Document Number	0000002028,
Date	Jun 15, 2026
Instrument	20262028

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.5%
Initial Type	Fixed Rate
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	320 E LOCUST ST, WATSEKA, IL 60970-1754
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17R1155
Date	Apr 17, 2017
Instrument	17R1155

Lender

Name	FIRST TRUST & SAVINGS BANK
Type	Bank
Address	WATSEKA, IL 60970

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	63 Months
Due	Jul 15, 2022

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	$5,471.00 (+10.82%) Homeowner's exemption	$59,630 (+9.25%) Land $9,890 Building $49,740	$178,890 (+9.25%) Land $29,670 Building $149,220
2024	$4,937.00 (+71.96%)	$54,580 (+62.44%) Land $9,050 Building $45,530	$163,740 (+62.44%) Land $27,150 Building $136,590
2022	$2,871.00 Homeowner's exemption	$33,600 Land $6,960 Building $26,640	$100,800 Land $20,880 Building $79,920

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	153 (1979–2018)
Claims Outside the SFHA	10 of 153
Most Recent Claim	Feb 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Feb 2008 · 65 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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