515 S 3rd St, Watseka, IL 60970 Property Records

Iroquois County property record for 515 S 3rd St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.249 acres (10,849 sqft)
Owner	Individual Name on File
Last Sale	$104,000 (Oct 2020)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`26 05 204 016`

Property Details

APN / Parcel Number

Primary APN	`26 05 204 016`

Exterior

Lot Area	10,849 sqft (0.249 acres)

Location & Zoning

Street Address	515 S 3RD ST
City	WATSEKA
State	IL
Zip	60970-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAMBERLAINS ADD S4 LT 1 BLK 3 CITY OF WATSEKA
Legal Subdivision	CHAMBERLAINS ADD
Legal Block	3
Legal Lot Number	1
Jurisdiction	IROQUOIS IL
Township / Civil Division	BELMONT
Census Block Group	2
Census Block	2003
Census Tract	950500

Owner

515 S 3rd St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	515 S 3RD ST, WATSEKA, IL 60970-1612
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 23, 2024	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 16, 2020	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HOME LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	Jan 1, 2007 · Amount on File
Deed Document Number	20203345
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	515 S 3RD ST, WATSEKA, IL 60970-1612
Transaction Type	Mortgage
Record Updated	May 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 S 3RD ST, WATSEKA, IL 60970-1612

Mortgage

Document Number	00024R1240
Date	Apr 23, 2024
Instrument	24R1240

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	319 Months
Due	Nov 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Oct 16, 2020
Property Address	515 S 3RD ST, WATSEKA, IL 60970-1612
Document Number	20R3345
Instrument Date	Oct 3, 2020
Instrument	20R3345
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 S 3RD ST, WATSEKA, IL 60970-1612

Mortgage

Document Number	20R3346
Date	Oct 16, 2020
Instrument	20R3346

Lender

Name	CORNERSTONE HOME LENDING LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 515 S 3rd St was $3,055 with a homeowner's exemption.

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,055.00	$36,100 Land $10,140 Building $25,960	$108,300 Land $30,420 Building $77,880
2022	$2,378.00 Homeowner's exemption	$28,980 Land $8,140 Building $20,840	$86,940 Land $24,420 Building $62,520

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 515 S 3rd St in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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	Severe Storms And Flooding, Feb 2008 · 59 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

The area around 515 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	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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