511 E Elm St, Watseka, IL 60970 Property Records

Iroquois County property record for 511 E Elm St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.422 acres (18,389 sqft)
Owner	2 Individual Names on Record
Last Sale	$33,000 (Jun 2026)
Deeds & Mortgages	Jun 2026 Sale Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19 33 301 008`

Property Details

APN / Parcel Number

Primary APN	`19 33 301 008`

Exterior

Lot Area	18,389 sqft (0.422 acres)

Location & Zoning

Street Address	511 E ELM ST
City	WATSEKA
State	IL
Zip	60970-1473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SITES SD LT 1
Legal Subdivision	SITES SD
Legal Lot Number	1
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	465 E ELM ST, WATSEKA, IL 60970-1408
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPECT BANK
May 22, 2017	Executor's Deed, Transfer · ARM THE EDGAR COUNTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	May 22, 2017 · Amount on Record
Deed Document Number	20262062
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jun 16, 2026
Property Address	511 E ELM ST, WATSEKA, IL 60970-1473
Document Number	0000002062
Instrument Date	Jun 12, 2026
Instrument	20262062
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$4,999.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	465 E ELM ST, WATSEKA, IL 60970-1408

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	511 E ELM ST, WATSEKA, IL 60970-1473
Transaction Type	Mortgage
Record Updated	Jan 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00021R5291
Date	Dec 20, 2021
Instrument	21R5291

Lender

Name	PROSPECT BANK
Type	Bank
Address	PARIS, IL 61944

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.37%

May 2017: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	IROQUOIS IL
Recording Date	May 22, 2017
Property Address	511 E ELM ST, WATSEKA, IL 60970-1473
Document Number	17R1573
Map Reference	MB F PG 2
Instrument Date	Apr 26, 2017
Instrument	17R1573
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	17R1574
Date	May 22, 2017
Instrument	17R1574

Lender

Name	THE EDGAR COUNTY BANK & TRUST CO
Type	Bank
Address	PARIS, IL 61944

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Type Change Date	Jun 1, 2022
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10.7%

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		$10,670 (+41.89%) Land $3,650 Building $7,020	$32,010 (+41.89%) Land $10,950 Building $21,060
2022	Homeowner's exemption Senior Citizen's exemption	$7,520 Land $2,570 Building $4,950	$22,560 Land $7,710 Building $14,850

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 minimal risk
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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