Effingham County property record for 101 W Main St, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,358 sqft · built 1902 |
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $39,000 (May 2025) |
| Tax Bill | $1,358 (2024) |
| Deeds & Mortgages | Jul 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-21-003-001 |
| Primary APN | 14-21-003-001 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 1,358 sqft Base Area |
| 1st Floor Area | 1,358 sqft |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Construction Type | Frame |
| Lot Area | 33,106 sqft (0.76 acres) |
| Garage Area | 100 sqft |
| Street Address | 101 W MAIN ST |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-1118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 190FT LOT 1 & N 43FT OF S 174FT OF E 76FT LOT 2 SW 1479/151 1473/111 948/147 |
| Legal Lot Number | 1-2 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | WATSON |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 950400 |
Source: Effingham County records, as of August 14, 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 | 7043 N 1200TH ST, WATSON, IL 62473-2100 |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2025 · Amount on Record |
| Deed Sale | May 2, 2025 · Amount on Record |
| Deed Document Number | 20251416 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Jul 30, 2026 |
| Property Address | 101 W MAIN ST, WATSON, IL 62473-1118 |
| Document Number | 0000002866 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 20262866 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 7043 N 1200TH ST, WATSON, IL 62473-2100 |
| Document Number | 0000002866, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 20262866 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 29, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 5.99% |
| Initial Type | Balloon |
| Max Rate | -1% |
Source: Effingham County assessment roll, as of September 9, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $1,358.00 (+24.93%) | $22,870 (+21.52%) Land $6,780 Building $16,090 | $68,610 (+21.52%) Land $20,340 Building $48,270 |
| 2022 | $1,087.00 | $18,820 Land $5,580 Building $13,240 | $56,460 Land $16,740 Building $39,720 |
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.
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
5G (outdoors only) and 4G LTE
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