539 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 539 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.311 acres (13,551 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,747 (2025)
Deeds & Mortgages	Jan 2023 Transfer Jan 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`19 33 358 045`

Property Details

APN / Parcel Number

Primary APN	`19 33 358 045`

Exterior

Lot Area	13,551 sqft (0.311 acres)

Location & Zoning

Street Address	539 E LOCUST ST
City	WATSEKA
State	IL
Zip	60970-1757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STANLEY'S 2ND ADD SL 6 & 7 EX W 10' LT 3 BLK 4
Legal Subdivision	STANLEY'S 2ND ADD
Legal Block	4
Legal Lot Number	3
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	2
Census Block	2018
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	539 E LOCUST ST, WATSEKA, IL 60970-1757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 13, 2023	Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2023
Deed Sale	Jan 13, 2023
Deed Document Number	2023134
Last Transfer Date	Jan 30, 2023
Transfer Doc	0000000281
Record Updated	Sep 20, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IROQUOIS IL
Recording Date	Jan 30, 2023
Property Address	539 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	00023R0281
Instrument Date	Jan 30, 2023
Instrument	23R0281
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	539 E LOCUST ST, WATSEKA, IL 60970-1757

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	539 E LOCUST ST, WATSEKA, IL 60970-1757

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jan 13, 2023
Property Address	539 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	00023R0134
Instrument Date	Jan 12, 2023
Instrument	23R0134
Transaction Type	Transfer
Record Updated	Feb 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	625 E LINCOLN AVE, WATSEKA, IL 60970-1814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 E LOCUST ST, WATSEKA, IL 60970-1757

Mortgage

Document Number	00023R0135
Date	Jan 13, 2023
Instrument	23R0135

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.37%

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	$3,747.00 (+119.38%)	$42,730 (+42.01%) Land $9,890 Building $32,840	$128,190 (+42.01%) Land $29,670 Building $98,520
2022	$1,708.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$30,090 Land $6,960 Building $23,130	$90,270 Land $20,880 Building $69,390

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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	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 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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