912 E Locust St, Watseka, IL 60970 Property Records

Iroquois County property record for 912 E Locust St, Watseka, IL 60970

Property Summary

Property Type	Single Family Home
Lot Size	0.242 acres (10,576 sqft)
Owner	Individual Name on Record
Last Sale	$34,666 (Aug 2023)
Tax Bill	$3,024 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`19 33 452 002`

Property Details

APN / Parcel Number

Primary APN	`19 33 452 002`

Exterior

Lot Area	10,576 sqft (0.242 acres)

Location & Zoning

Street Address	912 E LOCUST ST
City	WATSEKA
State	IL
Zip	60970-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FINCHS 3RD ADD LT 12
Legal Subdivision	FINCHS 3RD ADD
Legal Lot Number	12
Jurisdiction	IROQUOIS IL
Township / Civil Division	MIDDLEPORT
Census Block Group	1
Census Block	1046
Census Tract	950400

Owner

Source: Iroquois County records, as of August 18, 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	912 E LOCUST ST, WATSEKA, IL 60970-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST TRUST & SAVINGS BANK OF WATSE
Jan 23, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Prior Sale	Jan 23, 2023 · Amount on Record
Deed Document Number	20232252
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 10, 2023
Property Address	912 E LOCUST ST, WATSEKA, IL 60970-1819
Document Number	00023R2252
Map Reference	MB E PG 255
Instrument Date	Aug 5, 2023
Instrument	23R2252
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$104.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	920 S 3RD ST, WATSEKA, IL 60970-1678

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	912 E LOCUST ST, WATSEKA, IL 60970-1819

Mortgage

Document Number	00023R2253
Date	Aug 10, 2023
Instrument	23R2253

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Sep 1, 2030

Mortgage

Document Number	00023R2254
Date	Aug 10, 2023
Instrument	23R2254

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSEKA
Type	Bank
Address	WATSEKA, IL 60970

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	64 Months
Due	Dec 1, 2028

Interest

Rate Type	Fixed Rate
Rate	7.75%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jan 23, 2023
Property Address	912 E LOCUST ST, WATSEKA, IL 60970-1819
Document Number	00023R0208
Map Reference	MB E PG 255
Instrument Date	Jan 10, 2023
Instrument	23R0208
Transaction Type	Transfer
Record Updated	Feb 23, 2023

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1404 BEECH ST, VALPARAISO, IN 46383-5106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 154, WATSEKA, IL 60970-0154

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	$3,024.00 (+114.93%)	$35,650 (+42.03%) Land $10,830 Building $24,820	$106,950 (+42.03%) Land $32,490 Building $74,460
2022	$1,407.00 Homeowner's exemption Senior Citizen's exemption	$25,100 Land $7,620 Building $17,480	$75,300 Land $22,860 Building $52,440

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	Low lower than 97% of the US · lower than 79% 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 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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