324 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 324 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.205 acres (8,929 sqft)
Owner	Individual Name on Record
Last Sale	$126,000 (Feb 2024)
Tax Bill	$3,366 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jun 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19 32 484 018`

Property Details

APN / Parcel Number

Primary APN	`19 32 484 018`

Exterior

Lot Area	8,929 sqft (0.205 acres)

Location & Zoning

Street Address	324 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 16 & E 10' LT 15 BLK 15
Legal Subdivision	STANLEY'S ADD
Legal Block	15
Legal Lot Number	15,16
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	300 CLAYTON DR, WATSEKA, IL 60970-7588
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Administrator's Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 1, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 21, 2020	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 7, 2018	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 17, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2024 · Amount on Record
Deed Sale	Feb 16, 2024 · Amount on Record
Prior Sale	Jan 21, 2020 · Amount on Record
Deed Document Number	2024462
Prior Transfer Date	Nov 9, 2017
Prior Transfer Doc	0000003400
Record Updated	Sep 20, 2026

February 2024: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	IROQUOIS IL
Recording Date	Feb 16, 2024
Property Address	324 E LOCUST ST, WATSEKA, IL 60970-1754
Document Number	00024R0462
Map Reference	MB B PG 68
Instrument Date	Feb 15, 2024
Instrument	24R0462
Transaction Type	Transfer
Record Updated	Mar 1, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 E LOCUST ST, WATSEKA, IL 60970-1754

Mortgage

Document Number	00024R0463
Date	Feb 16, 2024
Instrument	24R0463

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.12%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	324 E LOCUST ST, WATSEKA, IL 60970-1754
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00022R1963
Date	Jun 1, 2022
Instrument	22R1963

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	324 E LOCUST ST, WATSEKA, IL 60970-1754
Transaction Type	Mortgage
Record Updated	Aug 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21R2920
Date	Jul 28, 2021
Instrument	21R2920

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jan 21, 2020
Property Address	324 E LOCUST ST, WATSEKA, IL 60970-1754
Document Number	20R0182
Map Reference	MB B PG 68
Instrument Date	Jan 21, 2020
Instrument	20R0182
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$139.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	330 E LOCUST ST, 330, WATSEKA, IL 60970-1770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 E LOCUST ST, WATSEKA, IL 60970-1754

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jun 7, 2018
Property Address	324 E LOCUST ST, WATSEKA, IL 60970-1754
Document Number	18R1714
Map Reference	MB B PG 68
Instrument Date	Jun 7, 2018
Instrument	18R1714
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$45.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 E FANYO CT, 321, WATSEKA, IL 60970-1719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	330 E LOCUST ST, WATSEKA, IL 60970-1770

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IROQUOIS IL
Recording Date	Nov 17, 2017
Property Address	324 E LOCUST ST, WATSEKA, IL 60970-1754
Document Number	17R3400
Map Reference	MB B PG 68
Instrument Date	Nov 9, 2017
Instrument	17R3400
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 NORTH FOURST ST, 500, WATSEKA, IL 60970

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 E FANYO CT, WATSEKA, IL 60970-1719

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	$3,366.00 (+51.49%)	$39,000 (+42.02%) Land $6,620 Building $32,380	$117,000 (+42.02%) Land $19,860 Building $97,140
2022	$2,222.00 Homeowner's exemption	$27,460 Land $4,660 Building $22,800	$82,380 Land $13,980 Building $68,400

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
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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