428 E Elm St, Watseka, IL 60970 Property Records

Iroquois County property record for 428 E Elm St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.167 acres (7,281 sqft)
Owner	Individual Name on Record
Last Sale	$43,000 (May 2020)
Tax Bill	$768 (2025)
Deeds & Mortgages	Apr 2022 Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`19 33 152 022`

Property Details

APN / Parcel Number

Primary APN	`19 33 152 022`

Exterior

Lot Area	7,281 sqft (0.167 acres)

Location & Zoning

Street Address	428 E ELM ST
City	WATSEKA
State	IL
Zip	60970-1409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STANLEY'S 2ND ADD E 25' S 150' LT 3 & W 25' S 150' LT 4
Legal Subdivision	STANLEY'S 2ND ADD
Legal Lot Number	3,4
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1016
Census Tract	950400

Owner

Source: Iroquois County records, as of July 17, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2334 E 1730 NORTH RD, WATSEKA, IL 60970-7547
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage IROQUOIS FSLA
May 21, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST TRUST & SAVINGS BANK OF WATSE
Dec 28, 2018	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on Record
Deed Sale	May 21, 2020 · Amount on Record
Prior Sale	Dec 28, 2018 · Amount on Record
Deed Document Number	20201433
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	428 E ELM ST, WATSEKA, IL 60970-1409
Transaction Type	Mortgage
Record Updated	Apr 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00022R1304
Date	Apr 11, 2022
Instrument	22R1304

Lender

Name	IROQUOIS FSLA
Type	Bank
Address	DANVILLE, IL 61832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	May 21, 2020
Property Address	428 E ELM ST, WATSEKA, IL 60970-1409
Document Number	20R1433
Instrument Date	May 21, 2020
Instrument	20R1433
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.50
Amount Accuracy	Verified / From Affidavit
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	598 E GRANT ST, 598, WATSEKA, IL 60970-1748

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 E ELM ST, WATSEKA, IL 60970-1409

Mortgage

Document Number	20R1434
Date	May 21, 2020
Instrument	20R1434

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2030

Interest

Rate Type	Fixed Rate
Rate	3.9%

December 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	IROQUOIS IL
Recording Date	Dec 28, 2018
Property Address	428 E ELM ST, WATSEKA, IL 60970-1409
Document Number	18R4015
Instrument Date	Jan 9, 2018
Instrument	18R4015
Transaction Type	Foreclosure
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$23.25
Amount Accuracy	Verified / From Affidavit
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 E ELM ST, WATSEKA, IL 60970-1409

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	$768.00 (+37.39%)	$7,530 (+42.08%) Land $4,710 Building $2,820	$22,590 (+42.08%) Land $14,130 Building $8,460
2022	$559.00 Homeowner's exemption	$5,300 Land $3,310 Building $1,990	$15,900 Land $9,930 Building $5,970

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 224 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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