101 N Jackson St, Watson, IL 62473 Property Records

Effingham County property record for 101 N Jackson St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,350 sqft · built 1902
Lot Size	0.139 acres (6,098 sqft)
Owner	Company Name on Record
Tax Bill	$795 (2022)
Deeds & Mortgages	Dec 2023 Sale Nov 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-001-032`

Property Details

APN / Parcel Number

Primary APN	`14-21-001-032`

Interior

Stories	1 Story
Building Area	1,350 sqft Base Area

Exterior

Year Built	Built 1902
Construction Type	Frame
Lot Area	6,098 sqft (0.139 acres)

Location & Zoning

Street Address	101 N JACKSON ST
City	WATSON
State	IL
Zip	62473-2420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 LOTS 43 & 44 BLK 5 WATSON 3813/306 2274/190 1096/71 814/98 561/55
Legal Block	5
Legal Lot Number	43-44
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1061
Census Tract	950400

Owner

Source: Effingham County records, as of December 28, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1905 S BANKER ST, EFFINGHAM, IL 62401-2810
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Warranty Deed, Transfer THE TITLE CENTER/FL, THE TITLE CENTER
Nov 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES STATE BANK OF NEWTON
Jan 3, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE PEOPLES STATE BANK NEWTON ILLINOIS
Sep 28, 2022	Warranty Deed, Transfer THE LUKA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2023
Deed Sale	Dec 7, 2023
Prior Sale	Sep 28, 2022 · Amount on Record
Deed Document Number	202323004028
Record Updated	Jun 7, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 7, 2023
Property Address	101 N JACKSON ST, WATSON, IL 62473-2420
Document Number	202323004028
Map Reference	MB J PG 590
Instrument Date	Nov 7, 2023
Instrument	202323004028
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 S BANKER ST, EFFINGHAM, IL 62401-2810

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	101 N JACKSON ST, WATSON, IL 62473-2420
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003826/288
Date	Nov 28, 2022
Book Page	3826/288
Instrument	202222004811

Lender

Name	THE PEOPLES STATE BANK OF NEWTON
Type	Non-Lending Institution
Address	NEWTON, IL 62448

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 17, 2047

Interest

Rate Type	Adjustable Rate

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	101 N JACKSON ST, WATSON, IL 62473-2420
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003833/334
Date	Jan 3, 2023
Book Page	3833/334
Instrument	202323000024

Lender

Name	THE PEOPLES STATE BANK NEWTON ILLINOIS
Type	Bank
Address	NEWTON, IL 62448

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Dec 23, 2042

Interest

Rate Type	Adjustable Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 28, 2022
Property Address	101 N JACKSON ST, WATSON, IL 62473-2420
Document Number	003813/306
Book / Page	3813 / 306
Map Reference	MB J PG 590
Instrument Date	Sep 27, 2022
Instrument	202222003947
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7348 E US HIGHWAY 40, ALTAMONT, IL 62411-2524

Mortgage

Document Number	003813/308
Date	Sep 28, 2022
Book Page	3813/308
Instrument	202222003948

Lender

Name	THE LUKA STATE BANK
Type	Non-Lending Institution
Address	SALEM, IL 62881

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Watson Township
Municipality	Watson Village
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	$795.00	$13,770 Land $1,450 Building $12,320	$41,310 Land $4,350 Building $36,960

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 January 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	EJ WATER-WATSON serves 754 people · EPA ID IL0490500
Water Source	Purchased surface water from EJ WATER COOPERATIVE
Last State Inspection	Mar 2026
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Nov 2021
Monitoring and Reporting	None 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Fidium Fiber, Wisper ISP.

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