455 E Elm St, Watseka, IL 60970 Property Records

Iroquois County property record for 455 E Elm St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.108 acres (4,740 sqft)
Owner	2 Individual Names on Record
Last Sale	$52,000 (Mar 2019)
Tax Bill	$2,891 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19 33 301 047`

Property Details

APN / Parcel Number

Primary APN	`19 33 301 047`

Exterior

Lot Area	4,740 sqft (0.108 acres)

Location & Zoning

Street Address	455 E ELM ST
City	WATSEKA
State	IL
Zip	60970-1408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW SW BEG 343.57' E & 184.02' S
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1021
Census Tract	950400

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	2 Individual Names on Record
Mailing Address	455 E ELM ST, WATSEKA, IL 60970-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed of Trust, Mortgage · Line of Credit THE FIRST TRUST & SAVINGS BANK OF WATSEK
Mar 29, 2019	Deed, Transfer · Commercial Mortgage FIRST TRUST & SAVINGS BANK OF WATSE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2019 · Amount on Record
Deed Sale	Mar 29, 2019 · Amount on Record
Deed Document Number	2019852
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	455 E ELM ST, WATSEKA, IL 60970-1408
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00024R0499
Date	Feb 21, 2024
Instrument	24R0499

Lender

Name	THE FIRST TRUST & SAVINGS BANK OF WATSEK
Address	WATSEKA, IL 60970

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	IROQUOIS IL
Recording Date	Mar 29, 2019
Property Address	455 E ELM ST, WATSEKA, IL 60970-1408
Document Number	19R0852
Map Reference	DOC96-P-30
Instrument Date	Mar 29, 2019
Instrument	19R0852
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	$78.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 E FAIRMAN AVE, 209, WATSEKA, IL 60970-1643

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1999 N 1950 EAST RD, WATSEKA, IL 60970-6013

Mortgage

Document Number	19R0853
Date	Mar 29, 2019
Instrument	19R0853

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSE

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Apr 1, 2024

Interest

Rate	5.25%

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	$2,891.00 (+71.88%)	$39,340 (+42.02%) Land $2,600 Building $36,740	$118,020 (+42.02%) Land $7,800 Building $110,220
2022	$1,682.00 Homeowner's exemption Senior Citizen's exemption	$27,700 Land $1,830 Building $25,870	$83,100 Land $5,490 Building $77,610

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 minimal risk
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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