104 Oak Dr, Watson, IL 62473 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,344 sqft · built 1998
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$54,000 (Apr 2006)
Tax Bill	$1,873 (2025)
Deeds & Mortgages	Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-292-002`

Property Details

APN / Parcel Number

Primary APN	`14-10-292-002`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,344 sqft Base Area
1st Floor Area	1,344 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)

Location & Zoning

Street Address	104 OAK DR
City	WATSON
State	IL
Zip	62473-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 TWIN OAKS SUB 3128/99 2215/183 1587/104 1531/276 1321/327 650/258
Legal Subdivision	TWIN OAKS SUBDIVISION
Legal Lot Number	2
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	104 OAK DR, WATSON, IL 62473-1106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2006 · Amount on Record
Deed Sale	Apr 11, 2006 · Amount on Record
Deed Document Number	200661668
Deed Book / Page	2215 / 183
Last Transfer Date	Jan 30, 2015
Transfer Doc	3128/099
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	104 OAK DR, WATSON, IL 62473-1106
Transaction Type	Mortgage
Record Updated	Dec 1, 2022
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003816/164
Date	Oct 12, 2022
Book Page	3816/164
Instrument	202222004121

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Jun 1, 2037

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$1,873.00 (+9.34%) Homeowner's exemption	$38,340 (+9.98%) Land $5,630 Building $32,710	$115,020 (+9.98%) Land $16,890 Building $98,130
2024	$1,713.00 (+34.25%)	$34,860 (+21.59%) Land $5,120 Building $29,740	$104,580 (+21.59%) Land $15,360 Building $89,220
2022	$1,276.00 Homeowner's exemption	$28,670 Land $4,210 Building $24,460	$86,010 Land $12,630 Building $73,380

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
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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