Iroquois County property record for 435 S 5th St, Watseka, IL 60970
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.377 acres (16,432 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $141,700 (Jun 2008) |
| Tax Bill | $2,499 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 26 05 227 020 |
| Primary APN | 26 05 227 020 |
|---|
| Lot Area | 16,432 sqft (0.377 acres) |
|---|
| Street Address | 435 S 5TH ST |
|---|---|
| City | WATSEKA |
| State | IL |
| Zip | 60970-1634 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BELMONT ADD SL 9 N 9' SL 8 LT 4 BLK 3 |
| Legal Subdivision | BELMONT ADD |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | IROQUOIS IL |
| Township / Civil Division | BELMONT |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950500 |
435 S 5th St is owned and occupied by two individuals who acquired it in June 2019.
Source: Iroquois County records, as of July 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 S 5TH ST, WATSEKA, IL 60970-1634 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 26, 2018 | Deed of Trust, Mortgage · Commercial Mortgage MAINSOURCE BANK |
| Jun 6, 2019 | Intrafamily Transfer, Transfer · Line of Credit FEDERATED BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2008 · Amount on File |
| Deed Sale | Jun 1, 2008 · Amount on File |
| Deed Document Number | 20088R2715 |
| Last Transfer Date | Jun 6, 2019 |
| Transfer Doc | 0000001630 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IROQUOIS IL |
| Property Address | 435 S 5TH ST, WATSEKA, IL 60970-1634 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 18R0550 |
|---|---|
| Date | Feb 26, 2018 |
| Instrument | 18R0550 |
| Name | MAINSOURCE BANK |
|---|---|
| Type | Bank |
| Address | GREENSBURG, IN 47240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 28, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Change Frequency | Annually |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | IROQUOIS IL |
| Recording Date | Jun 6, 2019 |
| Property Address | 435 S 5TH ST, WATSEKA, IL 60970-1634 |
| Document Number | 19R1630 |
| Instrument Date | Jun 6, 2019 |
| Instrument | 19R1630 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 S 5TH ST, 435, WATSEKA, IL 60970-1634 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 435 S 5TH ST, WATSEKA, IL 60970-1634 |
| Document Number | 19R1693 |
|---|---|
| Date | Jun 6, 2019 |
| Instrument | 19R1693 |
| Name | FEDERATED BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jun 7, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Change Frequency | Monthly |
| Min Rate At Change | 6.75% |
| Max Rate | 18% |
The 2025 property tax bill for 435 S 5th St was $2,499 with exemptions applied.
Source: Iroquois County assessment roll, as of July 17, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,499.00 | $56,800 Land $15,740 Building $41,060 | $170,400 Land $47,220 Building $123,180 |
| 2022 | $2,778.00 Homeowner's exemption Senior Citizen's exemption | $45,590 Land $12,630 Building $32,960 | $136,770 Land $37,890 Building $98,880 |
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.
FEMA maps place 435 S 5th St in Zone X, an area of minimal flood risk, though there have been 98 flood claims nearby since 1994.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 435 S 5th 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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