712 E Sycamore St, Watseka, IL 60970 Property Records

Iroquois County property record for 712 E Sycamore St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.267 acres (11,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Aug 2026)
Tax Bill	$4,908 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`19 33 327 007`

Property Details

APN / Parcel Number

Primary APN	`19 33 327 007`

Exterior

Lot Area	11,658 sqft (0.267 acres)

Location & Zoning

Street Address	712 E SYCAMORE ST
City	WATSEKA
State	IL
Zip	60970-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LCI SD LT 7
Legal Subdivision	LCI SD
Legal Lot Number	7
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1023
Census Tract	950400

Owner

Source: Iroquois County records, as of September 28, 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	712 E SYCAMORE ST, WATSEKA, IL 60970-1413
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST SAVINGS BANK
Aug 31, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST TRUST & SAVINGS BANK OF WATSE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Aug 31, 2021 · Amount on Record
Deed Document Number	20263059
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Recording Date	Sep 15, 2026
Property Address	712 E SYCAMORE ST, WATSEKA, IL 60970-1413
Document Number	0000003227
Instrument Date	Aug 31, 2026
Instrument	20263227
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E SYCAMORE ST, WATSEKA, IL 60970-1413

Mortgage

Document Number	0000003227,
Date	Sep 15, 2026
Instrument	20263227

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 31, 2026
Property Address	712 E SYCAMORE ST, WATSEKA, IL 60970-1413
Document Number	0000003059
Instrument Date	Aug 31, 2026
Instrument	20263059
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	712 E SYCAMORE ST, WATSEKA, IL 60970-1413

Mortgage

Document Number	0000003060,
Date	Aug 31, 2026
Instrument	20263060

Lender

Name	FIRST SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	64 Months
Due	Dec 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 31, 2021
Property Address	712 E SYCAMORE ST, WATSEKA, IL 60970-1413
Document Number	21R3455
Map Reference	MB K PG 33
Instrument Date	Aug 31, 2021
Instrument	21R3455
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$67.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 E SYCAMORE ST, WATSEKA, IL 60970-1413

Mortgage

Document Number	21R3456
Date	Aug 31, 2021
Instrument	21R3456

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2026

Interest

Rate	3.25%

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	$4,908.00 (+37.06%)	$48,110 (+41.96%) Land $8,500 Building $39,610	$144,330 (+41.96%) Land $25,500 Building $118,830
2022	$3,581.00	$33,890 Land $5,990 Building $27,900	$101,670 Land $17,970 Building $83,700

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
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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