409 S 4th St, Watseka, IL 60970 Property Records

Iroquois County property record for 409 S 4th St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.092 acres (4,047 sqft)
Owner	Company Name on Record
Last Sale	$48,000 (Aug 2021)
Tax Bill	$2,226 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`26 05 226 010`

Property Details

APN / Parcel Number

Primary APN	`26 05 226 010`

Exterior

Lot Area	4,047 sqft (0.092 acres)

Location & Zoning

Street Address	409 S 4TH ST
City	WATSEKA
State	IL
Zip	60970-1620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PECK MARTIN'S RS CHAMBERLAINS ADD SL 409
Legal Subdivision	S RS CHAMBERLAINS ADD
Jurisdiction	IROQUOIS IL
Township / Civil Division	BELMONT
Census Block Group	2
Census Block	2001
Census Tract	950500

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	Company Name on Record
Mailing Address	PO BOX 212, WATSEKA, IL 60970-0212
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Deed of Trust, Mortgage · Line of Credit IROQUOIS FARMERS STATE BANK
Nov 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage IROQUOIS FARMERS STATE BANK
Aug 5, 2021	Deed, Transfer IROQUOIS FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2021 · Amount on Record
Deed Sale	Aug 5, 2021 · Amount on Record
Deed Document Number	20213069
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	409 S 4TH ST, WATSEKA, IL 60970-1620
Transaction Type	Mortgage
Record Updated	Nov 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00022R3906
Date	Oct 28, 2022
Instrument	22R3906

Lender

Name	IROQUOIS FARMERS STATE BANK
Type	Bank
Address	IROQUOIS, IL 60945

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 15, 2023

Interest

Rate Type	Adjustable Rate
Rate	5%
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	409 S 4TH ST, WATSEKA, IL 60970-1620
Transaction Type	Mortgage
Record Updated	Jun 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008011148
Date	Nov 29, 2021
Instrument	8011148

Lender

Name	IROQUOIS FARMERS STATE BANK
Type	Bank
Address	IROQUOIS, IL 60945

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	2 Months
Due	Jan 1, 2022

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 5, 2021
Property Address	409 S 4TH ST, WATSEKA, IL 60970-1620
Document Number	00021R3069
Map Reference	MB K PG 8
Instrument Date	Aug 5, 2021
Instrument	21R3069
Transaction Type	Transfer
Record Updated	Jun 7, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 S 2ND ST, 433, WATSEKA, IL 60970-1513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 S 3RD ST, WATSEKA, IL 60970-1604

Mortgage

Document Number	00021R3070
Date	Aug 5, 2021
Instrument	21R3070

Lender

Name	IROQUOIS FARMERS STATE BANK
Type	Bank
Address	IROQUOIS, IL 60945

Agreement

Amount	Amount Recorded
Term	63 Months
Due	Nov 1, 2026

Interest

Rate	4.5%

Tax Assessment & Valuation

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Belmont 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	$2,226.00 (+2%)	$21,930 (+24.6%) Land $890 Building $21,040	$65,790 (+24.6%) Land $2,670 Building $63,120
2022	$1,855.00	$17,600 Land $710 Building $16,890	$52,800 Land $2,130 Building $50,670

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	25 in force
Nearby Flood Claims	98 (1994–2018)
Claims Outside the SFHA	3 of 98
Most Recent Claim	Feb 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Feb 2008 · 59 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 263 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, Watch TV.

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