428 E Hickory St, Watseka, IL 60970 Property Records

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

Property Summary

Property Type	Single Family Home
Lot Size	0.256 acres (11,167 sqft)
Owner	2 Individual Names on File
Last Sale	$66,000 (Sep 2023)
Tax Bill	$1,713 (2025)
Deeds & Mortgages	Jan 2026 Transfer Sep 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19 33 301 017`

Property Details

APN / Parcel Number

Primary APN	`19 33 301 017`

Exterior

Lot Area	11,167 sqft (0.256 acres)

Location & Zoning

Street Address	428 E HICKORY ST
City	WATSEKA
State	IL
Zip	60970-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STANLEY'S 2ND ADD E 70' W 125'
Legal Subdivision	STANLEY'S 2ND ADD
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1021
Census Tract	950400

Owner

428 E Hickory St is owned and occupied by two individuals who acquired it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	428 E HICKORY ST, WATSEKA, IL 60970-1433
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 12, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 8, 2023	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2023 · Amount on File
Deed Sale	Sep 8, 2023 · Amount on File
Deed Document Number	20232574
Last Transfer Date	Jan 9, 2026
Transfer Doc	0000000150
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IROQUOIS IL
Recording Date	Jan 12, 2026
Property Address	428 E HICKORY ST, WATSEKA, IL 60970-1433
Document Number	00026R0150
Instrument Date	Jan 9, 2026
Instrument	26R0150
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 E HICKORY ST, WATSEKA, IL 60970-1433

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	428 E HICKORY ST, WATSEKA, IL 60970-1433

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Sep 8, 2023
Property Address	428 E HICKORY ST, WATSEKA, IL 60970-1433
Document Number	00023R2574
Instrument Date	Aug 31, 2023
Instrument	23R2574
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 51, CRESCENT CITY, IL 60928-0051

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	428 E HICKORY ST, WATSEKA, IL 60970-1433

Mortgage

Document Number	00023R2575
Date	Sep 8, 2023
Instrument	23R2575

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7%

Tax Assessment & Valuation

The 2025 property tax bill for 428 E Hickory St was $1,713 with a homeowner's exemption, up 13.4% from the year before.

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	$1,713.00 (+13.37%)	$22,800 (+9.25%) Land $2,200 Building $20,600	$68,400 (+9.25%) Land $6,600 Building $61,800
2024	$1,511.00 Homeowner's exemption	$20,870 Land $2,010 Building $18,860	$62,610 Land $6,030 Building $56,580
2022	$1,017.00 Homeowner's exemption	$16,050 Land $1,540 Building $14,510	$48,150 Land $4,620 Building $43,530

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 428 E Hickory St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 428 E Hickory St is low, with less than 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 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.

Nearby Properties on E Hickory St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures