602 E Elm St, Watseka, IL 60970 Property Records

Iroquois County property record for 602 E Elm St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Tax Bill	$4,265 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19 33 176 033`

Property Details

APN / Parcel Number

Primary APN	`19 33 176 033`

Exterior

Lot Area	13,504 sqft (0.31 acres)

Location & Zoning

Street Address	602 E ELM ST
City	WATSEKA
State	IL
Zip	60970-1472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAYES ADD S200 E67.5 W97.5 BLK A
Legal Subdivision	HAYES ADD
Legal Block	A
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1016
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	602 E ELM ST, WATSEKA, IL 60970-1472
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2026	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jun 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage PLAINSCAPITAL BANK
Dec 3, 2018	Deed of Trust, Mortgage · ARM PROSPECT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Recording Date	Aug 17, 2026
Property Address	602 E ELM ST, WATSEKA, IL 60970-1472
Document Number	0000002873
Instrument Date	Jul 21, 2026
Instrument	20262873
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E ELM ST, WATSEKA, IL 60970-1472

Mortgage

Document Number	0000002873,
Date	Aug 17, 2026
Instrument	20262873

Lender

Name	SPRING EQ LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Recording Date	Jun 10, 2026
Property Address	602 E ELM ST, WATSEKA, IL 60970-1472
Document Number	0000001977
Instrument Date	Jun 5, 2026
Instrument	20261977
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NATIONWIDE TITLE CLEARING INC, NATIONWIDE TITLE CLEARING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E ELM ST, WATSEKA, IL 60970-1472

Mortgage

Document Number	0000001977,
Date	Jun 10, 2026
Instrument	20261977

Lender

Name	PLAINSCAPITAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.13%
Initial Type	Fixed Rate
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	602 E ELM ST, WATSEKA, IL 60970-1472
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18R3713
Date	Dec 3, 2018
Instrument	18R3713

Lender

Name	PROSPECT BANK
Type	Bank
Address	PARIS, IL 61944

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jan 1, 2024
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	7.87%
Index	1-Year T-Bill
Max Rate	11.8%

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	$4,265.00 (+37.14%)	$41,810 (+42.02%) Land $1,890 Building $39,920	$125,430 (+42.02%) Land $5,670 Building $119,760
2022	$3,110.00	$29,440 Land $1,330 Building $28,110	$88,320 Land $3,990 Building $84,330

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 98% of the US · lower than 86% 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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