516 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 516 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.354 acres (15,435 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Nov 2025)
Tax Bill	$5,417 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Dec 2012 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`19 33 355 030`

Property Details

APN / Parcel Number

Primary APN	`19 33 355 030`

Exterior

Lot Area	15,435 sqft (0.354 acres)

Location & Zoning

Street Address	516 E LOCUST ST
City	WATSEKA
State	IL
Zip	60970-1758
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CONSERVATORS RE SD E 85' W 638' S 190' LT 3
Legal Subdivision	CONSERVATORS RE SD
Legal Lot Number	3
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	2
Census Block	2016
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	Individual Name on Record
Mailing Address	516 E LOCUST ST, WATSEKA, IL 60970-1758
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 19, 2012	Warranty Deed, Transfer MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2025 · Amount on Record
Deed Sale	Nov 6, 2025 · Amount on Record
Prior Sale	Dec 19, 2012 · Amount on Record
Deed Document Number	20253766
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Nov 6, 2025
Property Address	516 E LOCUST ST, WATSEKA, IL 60970-1758
Document Number	00025R3766
Instrument Date	Oct 30, 2025
Instrument	25R3766
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 E LOCUST ST, WATSEKA, IL 60970-1758

Mortgage

Document Number	00025R3767
Date	Nov 6, 2025
Instrument	25R3767

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.5%

December 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Dec 19, 2012
Property Address	516 E LOCUST ST, WATSEKA, IL 60970-1758
Document Number	12R4714
Instrument Date	Dec 19, 2012
Instrument	12R4714
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 E LOCUST ST, WATSEKA, IL 60970-1758

Mortgage

Document Number	00012R4715
Date	Dec 19, 2012
Instrument	12R4715

Lender

Name	MORTGAGE SERVICES III LLC
Address	502 N HERSHEY RD, BLOOMINGTON, IL 61704

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2043

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	$5,417.00 (+10.82%)	$59,100 (+9.24%) Land $11,570 Building $47,530	$177,300 (+9.24%) Land $34,710 Building $142,590
2024	$4,888.00 (+31.4%) Homeowner's exemption	$54,100 (+29.95%) Land $10,590 Building $43,510	$162,300 (+29.95%) Land $31,770 Building $130,530
2022	$3,720.00 Homeowner's exemption	$41,630 Land $8,150 Building $33,480	$124,890 Land $24,450 Building $100,440

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 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	153 (1979–2018)
Claims Outside the SFHA	10 of 153
Most Recent Claim	Feb 2018 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Feb 2008 · 65 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	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 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

May also be available: Nextlink, Watch TV.

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