551 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 551 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.172 acres (7,499 sqft)
Owner	Individual Name on Record
Last Sale	$19,000 (Nov 2018)
Tax Bill	$2,932 (2025)
Deeds & Mortgages	Jan 2022 Sale Oct 2021 Line of Credit + 7 more
Flood Zone	Zone X (moderate risk)
APN	`19 33 358 010`

Property Details

APN / Parcel Number

Primary APN	`19 33 358 010`

Exterior

Lot Area	7,499 sqft (0.172 acres)

Location & Zoning

Street Address	551 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 3 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	Individual Name on Record
Mailing Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK OF KANKAKEE COUNTY
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK OF KANKAKEE COUNTY
Jan 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
Nov 9, 2018	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 22, 2018	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Jun 8, 2018	Public Action, Foreclosure ATTORNEY ONLY, ATTORNEY
May 18, 2018	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
May 4, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2018 · Amount on Record
Deed Sale	Nov 9, 2018 · Amount on Record
Prior Sale	Jun 22, 2018
Deed Document Number	20183466
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jan 27, 2022
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	00022R0280
Instrument Date	Jan 24, 2022
Instrument	22R0280
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201875 SW 57TH STREET, 201875, DUNNELLON, FL 34431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E PERU ST, PRINCETON, IL 61356-2152

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 E LOCUST ST, WATSEKA, IL 60970-1757

Mortgage

Document Number	21R4131
Date	Oct 7, 2021
Instrument	21R4131

Lender

Name	PEOPLES BANK OF KANKAKEE COUNTY
Type	Bank
Address	KANKAKEE, IL 60901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Oct 24, 2028

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19R2007
Date	Jul 15, 2019
Instrument	19R2007

Lender

Name	PEOPLES BANK OF KANKAKEE COUNTY
Type	Bank
Address	KANKAKEE, IL 60901

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Jul 24, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19R0068
Date	Jan 10, 2019
Instrument	19R0068

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Dec 17, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Nov 9, 2018
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	18R3466
Instrument Date	Oct 24, 2018
Instrument	18R3466
Transaction Type	Transfer
Record Updated	Jun 21, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$28.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5000 PARKWAY, 5000, CARROLLTON, TX 75010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 N MARTHA CT, MILFORD, IL 60953-6079

June 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jun 22, 2018
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	18R1907
Instrument Date	Jun 15, 2018
Instrument	18R1907
Transaction Type	Foreclosure
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 PLANO PKWY, DENISON, TX 75020
Investor	Possibly a Property Investor

June 2018: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	IROQUOIS IL
Recording Date	Jun 8, 2018
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	18R1723
Instrument Date	May 18, 2018
Instrument	18R1723
Transaction Type	Foreclosure
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 PLANO PKWY, CARROLLTON, TX 75010-4900
Investor	Possibly a Property Investor

May 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	IROQUOIS IL
Recording Date	May 18, 2018
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	18R1449
Instrument Date	May 4, 2018
Instrument	18R1449
Transaction Type	Foreclosure
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2105 N STATE ROAD 3, GREENSBURG, IN 47240

May 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	IROQUOIS IL
Recording Date	May 4, 2018
Property Address	551 E LOCUST ST, WATSEKA, IL 60970-1757
Document Number	18R1266
Instrument Date	Apr 27, 2018
Instrument	18R1266
Transaction Type	Foreclosure
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1927 N GREENSBURG XING, GREENSBURG, IN 47240-8588

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	$2,932.00 (+328.03%)	$34,740 (+436.11%) Land $5,520 Building $29,220	$104,220 (+436.11%) Land $16,560 Building $87,660
2022	$685.00	$6,480 Land $3,880 Building $2,600	$19,440 Land $11,640 Building $7,800

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 500 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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