846 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 846 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.224 acres (9,796 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Dec 2021)
Tax Bill	$974 (2021)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19 33 381 010`

Property Details

APN / Parcel Number

Primary APN	`19 33 381 010`

Exterior

Lot Area	9,796 sqft (0.224 acres)

Location & Zoning

Street Address	846 E LOCUST ST
City	WATSEKA
State	IL
Zip	60970-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINCHS 2ND ADD LT 7
Legal Subdivision	FINCHS 2ND ADD
Legal Lot Number	7
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1046
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	846 E LOCUST ST, WATSEKA, IL 60970-1817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Mar 5, 2018	Deed of Trust, Mortgage · Line of Credit THE FIRST TRUST & SAVINGS BANK OF WATSEK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Apr 22, 2014 · Amount on Record
Deed Document Number	20215097
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Dec 6, 2021
Property Address	846 E LOCUST ST, WATSEKA, IL 60970-1817
Document Number	00021R5097
Map Reference	MB E PG 166
Instrument Date	Dec 3, 2021
Instrument	21R5097
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$129.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 E LOCUST ST, WATSEKA, IL 60970-1817

Mortgage

Document Number	00021R5098
Date	Dec 6, 2021
Instrument	21R5098

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	846 E LOCUST ST, WATSEKA, IL 60970-1817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18R0626
Date	Mar 5, 2018
Instrument	18R0626

Lender

Name	THE FIRST TRUST & SAVINGS BANK OF WATSEK
Type	Non-Lending Institution
Address	CHICAGO, IL 60670

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$33,130 (+41.95%) Land $7,010 Building $26,120	$99,390 (+41.95%) Land $21,030 Building $78,360
2022		$23,340 Land $4,940 Building $18,400	$70,020 Land $14,820 Building $55,200
2021	$974.00

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	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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