843 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 843 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.199 acres (8,706 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,166 (Aug 2023)
Tax Bill	$2,062 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19 33 382 009`

Property Details

APN / Parcel Number

Primary APN	`19 33 382 009`

Exterior

Lot Area	8,706 sqft (0.199 acres)

Location & Zoning

Street Address	843 E LOCUST ST
City	WATSEKA
State	IL
Zip	60970-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINCHS 2ND ADD LT 39
Legal Subdivision	FINCHS 2ND ADD
Legal Lot Number	39
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1055
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	843 E LOCUST ST, WATSEKA, IL 60970-1816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage IROQUOIS FSLA
May 24, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Dec 1, 2011 · Amount on Record
Deed Document Number	20232377
Prior Transfer Date	May 19, 2018
Prior Transfer Doc	0000001513
Record Updated	Sep 20, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 21, 2023
Property Address	843 E LOCUST ST, WATSEKA, IL 60970-1816
Document Number	00023R2377
Map Reference	MB E PG 166
Instrument Date	Aug 18, 2023
Instrument	23R2377
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$105.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3502 GREENMEADOW LN, JOLIET, IL 60431-4808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	843 E LOCUST ST, WATSEKA, IL 60970-1816
Investor	Possibly a Property Investor

Mortgage

Document Number	00023R2378
Date	Aug 21, 2023
Instrument	23R2378

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.81%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	843 E LOCUST ST, WATSEKA, IL 60970-1816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20R1688
Date	Jun 12, 2020
Instrument	20R1688

Lender

Name	IROQUOIS FSLA
Type	Bank
Address	DANVILLE, IL 61832

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2040

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	IROQUOIS IL
Recording Date	May 24, 2018
Property Address	843 E LOCUST ST, WATSEKA, IL 60970-1816
Document Number	18R1513
Map Reference	MB E PG 166
Instrument Date	May 19, 2018
Instrument	18R1513
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	843 E LOCUST ST, WATSEKA, IL 60970-1816

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	$2,062.00 (+54.8%)	$31,220 (+47.54%) Land $6,350 Building $24,870	$93,660 (+47.54%) Land $19,050 Building $74,610
2022	$1,332.00 Homeowner's exemption Disabled Person's exemption	$21,160 Land $4,470 Building $16,690	$63,480 Land $13,410 Building $50,070

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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	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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