104 Circle Dr, Watson, IL 62473 Property Records

Effingham County property record for 104 Circle Dr, Watson, IL 62473

Property Summary

Property Type	Mobile Home
Details	1,485 sqft · built 1980
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on Record
Last Sale	$13,000 (Sep 2014)
Tax Bill	$1,548 (2022)
Deeds & Mortgages	Jul 2017 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-003-044`

Property Details

APN / Parcel Number

Primary APN	`14-21-003-044`

Interior

Stories	1 Story
Building Area	1,485 sqft Base Area

Exterior

Year Built	Built 1980
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	46,609 sqft (1.07 acres)

Location & Zoning

Street Address	104 CIRCLE DR
City	WATSON
State	IL
Zip	62473-1052
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOTS 2- 6 THOELE COURT SUB 3067/142 1148/35 1148/31 1016/265 1003/214 997/250 975/167
Legal Subdivision	THOELE COURT SUBDIVISION
Legal Lot Number	2-6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1055
Census Tract	950400

Owner

Source: Effingham County records, as of August 24, 2023

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
Co-owner	Co-owner on Record
Mailing Address	104 CIRCLE DR, WATSON, IL 62473-1052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB
Oct 4, 2019	Deed of Trust, Mortgage · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2014 · Amount on Record
Deed Sale	Sep 29, 2014 · Amount on Record
Deed Document Number	201401404202
Deed Book / Page	3067 / 142
Record Updated	Jun 7, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	104 CIRCLE DR, WATSON, IL 62473-1052
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3314/291
Date	Jul 10, 2017
Book Page	3314/291
Instrument	201701703074

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate	5.87%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	104 CIRCLE DR, WATSON, IL 62473-1052
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3502/163
Date	Oct 4, 2019
Book Page	3502/163
Instrument	201901904016

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	395 Months
Due	Sep 27, 2052

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	$1,548.00 Homeowner's exemption Disabled Person's exemption	$35,560 Land $9,270 Building $26,290	$106,680 Land $27,810 Building $78,870

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
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 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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