402 Watson Ave, Oglesby, IL 61348 Property Records

LaSalle County property record for 402 Watson Ave, Oglesby, IL 61348

Property Summary

Property Type	Single Family Home
Details	1 ba · 972 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Jun 2022)
Tax Bill	$2,921 (2025)
Deeds & Mortgages	May 2016 Mortgage Aug 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-36-205-001`

Property Details

APN / Parcel Number

Primary APN	`18-36-205-001`
Alternative APN	`16-36-226-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	972 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	10,890 sqft (0.25 acres)

Location & Zoning

Street Address	402 WATSON AVE
City	OGLESBY
State	IL
Zip	61348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATSON'S SUB OF LT 1, LT 6 SEC 36-33-1, COM AT A PT 222' W OF A PT 316' S FROM CENTER OF HWY ALG IL CENTRAL RR ROW, W79.8' N1
Legal Range	01
Legal Township	33
Legal Section	36
Legal Subdivision	WATSONS SUB
Legal Lot Number	1-6
Jurisdiction	LASALLE IL
Township / Civil Division	LASALLE
Census Block Group	4
Census Block	4008
Census Tract	963400

Owner

402 Watson Ave is owned and occupied by two individuals who bought it in June 2022.

Source: LaSalle County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	402 WATSON AVE, OGLESBY, IL 61348
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 9, 2016	Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS HOUSING DEV AUTHORITY
Aug 20, 2024	Deed of Trust, Mortgage · Line of Credit ISU CU
Apr 29, 2008	Deed of Trust, Mortgage · ARM CITIZENS FIRST NATIONAL BANK
Jun 15, 2022	Warranty Deed, Transfer · Conventional Mortgage ILLINOIS STATE CU
Apr 1, 2015	Warranty Deed, Transfer · Stand-Alone First Mortgage ILLINOIS HOUSING DEV AUTHORITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on File
Deed Sale	Jun 15, 2022 · Amount on File
Prior Sale	Apr 1, 2015 · Amount on File
Deed Document Number	20227817
Record Updated	Sep 20, 2026

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	402 WATSON AVE, OGLESBY, IL 61348
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201606219
Date	May 9, 2016
Instrument	201606219

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency
Address	IL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	402 WATSON AVE, OGLESBY, IL 61348
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202409192
Date	Aug 20, 2024
Instrument	2024-09192

Lender

Name	ISU CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 19, 2044

April 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	402 WATSON AVE, OGLESBY, IL 61348
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200809487
Date	Apr 29, 2008
Instrument	2008-09487

Lender

Name	CITIZENS FIRST NATIONAL BANK
Type	Bank
Address	SPRING VALLEY, IL 61362

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	May 1, 2013
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	8.75%
Index	1-Year CMT
Max Rate	1.27%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Jun 15, 2022
Property Address	402 WATSON AVE, OGLESBY, IL 61348
Document Number	0202207817
Map Reference	MB F PG 24
Instrument Date	Jun 14, 2022
Instrument	2022-07817
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 E PORTER ST, OGLESBY, IL 61348-1258

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	402 WATSON AVE, OGLESBY, IL 61348

Mortgage

Document Number	0202207818
Date	Jun 15, 2022
Instrument	2022-07818

Lender

Name	ILLINOIS STATE CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4.25%

April 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Apr 1, 2015
Property Address	402 WATSON AVE, OGLESBY, IL 61348
Document Number	0201506030
Instrument Date	Mar 31, 2015
Instrument	201506030
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201506033
Date	Apr 1, 2015
Instrument	201506033

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 402 Watson Ave was $2,921, up 9% from the year before.

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	LaSalle Township
Municipality	Oglesby City
Secondary School District	LaSalle-Peru Township High School District 120 (09 - 12)
Elementary School District	Oglesby Elementary School District 125 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,921.00 (+8.99%)	$37,326 Land $5,640 Building $31,686	$111,978 Land $16,920 Building $95,058
2024	$2,680.00
2023		$31,698 (+9.35%) Land $4,790 Building $26,908	$95,094 (+9.35%) Land $14,370 Building $80,724
2022		$28,987 Land $4,380 Building $24,607	$86,961 Land $13,140 Building $73,821

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

FEMA maps place 402 Watson Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 402 Watson Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	OGLESBY serves 4,500 people · EPA ID IL0990700
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	Under 1 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	1 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: IVNet, Nextlink.

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