101 Oak Dr, Watson, IL 62473 Property Records

Effingham County property record for 101 Oak Dr, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,612 sqft · built 2000
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on Record
Last Sale	$97,000 (May 2023)
Tax Bill	$2,127 (2024)
Deeds & Mortgages	Jun 2023 Mortgage May 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-292-010`

Property Details

APN / Parcel Number

Primary APN	`14-10-292-010`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,612 sqft Base Area
1st Floor Area	1,612 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	41,382 sqft (0.95 acres)

Location & Zoning

Street Address	101 OAK DR
City	WATSON
State	IL
Zip	62473-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 TWIN OAKS SUB 3855/48 3814/311 3230/51 2456/177 2407/239 650/258
Legal Subdivision	TWIN OAKS SUBDIVISION
Legal Lot Number	10
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1078
Census Tract	950400

Owner

Source: Effingham County records, as of September 9, 2025

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	101 OAK DR, WATSON, IL 62473-1105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 3, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK
Oct 4, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2023 · Amount on Record
Deed Sale	May 3, 2023 · Amount on Record
Prior Sale	Aug 5, 2016 · Amount on Record
Deed Document Number	20231439
Deed Book / Page	3855 / 48
Prior Transfer Date	Aug 3, 2016
Prior Transfer Doc	003230/051
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	101 OAK DR, WATSON, IL 62473-1105
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003862/56
Date	Jun 7, 2023
Book Page	3862/56
Instrument	202323001890

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 3, 2023
Property Address	101 OAK DR, WATSON, IL 62473-1105
Document Number	0003855/48
Book / Page	3855 / 48
Map Reference	MB 12 PG 40
Instrument Date	Apr 28, 2023
Instrument	202322001439
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 OAK DR, WATSON, IL 62473-1105

Mortgage

Document Number	202322001440
Date	May 3, 2023
Instrument	202322001440

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	101 OAK DR, WATSON, IL 62473-1105
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	LANDGUARD TITLE SERVICES LLC, LANDGUARD TITLE SERVICES.

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003337/045
Date	Sep 28, 2017
Book Page	3337/045
Instrument	201701704607

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	96 Months
Due	Sep 25, 2025

Interest

Rate Type	Adjustable Rate
Rate	4.25%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 4, 2022
Property Address	101 OAK DR, WATSON, IL 62473-1105
Document Number	003814/311
Book / Page	3814 / 311
Map Reference	MB 12 PG 40
Instrument Date	Jan 24, 2022
Instrument	202222004013
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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
Address	101 OAK DR, WATSON, IL 62473-1105

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$2,127.00 (+32.36%)	$41,820 (+21.53%) Land $5,270 Building $36,550	$125,460 (+21.53%) Land $15,810 Building $109,650
2022	$1,607.00 Homeowner's exemption	$34,410 (-0.98%) Land $4,340 Building $30,070	$103,230 (-0.98%) Land $13,020 Building $90,210
2021		$34,750 Land $4,380 Building $30,370	$104,250 Land $13,140 Building $91,110
2018	$1,607.00

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 January 17, 2025

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

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
Adjoins Burnable Land	Yes

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 26 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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