103 Oak Dr, Watson, IL 62473 Property Records

Effingham County property record for 103 Oak Dr, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,248 sqft · built 1978
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Dec 2025)
Tax Bill	$1,053 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-292-009`

Property Details

APN / Parcel Number

Primary APN	`14-10-292-009`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,248 sqft Base Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	40,075 sqft (0.92 acres)
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	103 OAK DR
City	WATSON
State	IL
Zip	62473-1105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 TWIN OAKS SUB 25004774 589/177
Legal Subdivision	TWIN OAKS SUBDIVISION
Legal Lot Number	9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1078
Census Tract	950400

Owner

Source: Effingham County records, as of October 5, 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	103 OAK DR, WATSON, IL 62473-1105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Deed Document Number	20254774
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 31, 2025
Property Address	103 OAK DR, WATSON, IL 62473-1105
Document Number	202525004774
Map Reference	PL 109-B MB 12 PG 40
Instrument Date	Dec 22, 2025
Instrument	202525004774
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 OAK DR, WATSON, IL 62473-1105

Mortgage

Document Number	202525004775
Date	Dec 31, 2025
Instrument	202525004775

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%

Mortgage

Document Number	202525004776
Date	Dec 31, 2025
Instrument	202525004776

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	14511 MYFORD RD STE 100, TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

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
2025	$1,053.00 (-2.5%) Homeowner's exemption Senior Citizen's exemption	$60,300 (+1%) Land $5,630 Building $54,670	$180,900 (+1%) Land $16,890 Building $164,010
2024	$1,080.00 (-6.25%) Homeowner's exemption Senior Citizen's exemption	$54,820 (+21.55%) Land $5,120 Building $49,700	$164,460 (+21.55%) Land $15,360 Building $149,100
2022	$1,152.00 Homeowner's exemption Senior Citizen's exemption	$45,100 Land $4,210 Building $40,890	$135,300 Land $12,630 Building $122,670

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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