645 E Grant St, Watseka, IL 60970 Property Records

Iroquois County property record for 645 E Grant St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.246 acres (10,757 sqft)
Owner	Individual Name on Record
Last Sale	$58,000 (Aug 2022)
Tax Bill	$3,098 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`26 04 127 009`

Property Details

APN / Parcel Number

Primary APN	`26 04 127 009`

Exterior

Lot Area	10,757 sqft (0.246 acres)

Location & Zoning

Street Address	645 E GRANT ST
City	WATSEKA
State	IL
Zip	60970-1812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PORTER MARTINS 4TH ADD LT 9 BLK 1 CITY OF WATSEKA
Legal Subdivision	PORTER MARTINS 4TH ADD
Legal Block	1
Legal Lot Number	9
Jurisdiction	IROQUOIS IL
Township / Civil Division	BELMONT
Census Block Group	1
Census Block	1010
Census Tract	950500

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	645 E GRANT ST, WATSEKA, IL 60970-1812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 17, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST TRUST & SAVINGS BANK OF WATSE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Prior Sale	Oct 17, 2016 · Amount on Record
Deed Document Number	20222911
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Dec 27, 2023
Property Address	645 E GRANT ST, WATSEKA, IL 60970-1812
Document Number	00023R3694
Map Reference	MB C PG 17
Instrument Date	Dec 27, 2023
Instrument	23R3694
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	645 E GRANT ST, WATSEKA, IL 60970-1812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E GRANT ST, WATSEKA, IL 60970-1812

Mortgage

Document Number	00023R3695
Date	Dec 27, 2023
Instrument	23R3695

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	8.12%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 17, 2022
Property Address	645 E GRANT ST, WATSEKA, IL 60970-1812
Document Number	00022R2911
Map Reference	MB C PG 17
Instrument Date	Jul 30, 2022
Instrument	22R2911
Transaction Type	Transfer
Record Updated	Aug 31, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$58.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3101 W EVANS DR, 3101, PHOENIX, AZ 85053-5731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E GRANT ST, WATSEKA, IL 60970-1812

Mortgage

Document Number	00022R2912
Date	Aug 17, 2022
Instrument	22R2912

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	8.87%

Tax Assessment & Valuation

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	$3,098.00 (+49.37%)	$36,520 (+85.66%) Land $4,290 Building $32,230	$109,560 (+85.66%) Land $12,870 Building $96,690
2022	$2,074.00	$19,670 Land $3,440 Building $16,230	$59,010 Land $10,320 Building $48,690

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	28 (1981–2018)
Claims Outside the SFHA	1 of 28
Most Recent Claim	Feb 2018 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jan 2008 · 13 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 202 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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