Effingham County property record for 108 Davis Dr, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 2,221 sqft · built 2009 |
| Lot Size | 1.41 acres (61,420 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $23,500 (Jan 2009) |
| Tax Bill | $9,820 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-06-241-006 |
| Primary APN | 04-06-241-006 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 2,584 sqft Base Area |
| 1st Floor Area | 2,584 sqft |
| Basement Area | 2,584 sqft |
| Unfinished Basement | 2,221 sqft |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 61,420 sqft (1.41 acres) |
| Garage Area | 711 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 108 DAVIS DR |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-1048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 DAVIS ESTATES 2474/100 2200/294 2111/161 2021/55 1965/139 |
| Legal Subdivision | DAVIS ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | JACKSON |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 950400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 108 DAVIS DR, WATSON, IL 62473-1048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK & TRUST CO |
| Sep 14, 2017 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2009 · Amount on Record |
| Deed Sale | Jan 22, 2009 · Amount on Record |
| Deed Document Number | 2009900420 |
| Deed Book / Page | 2474 / 100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 108 DAVIS DR, WATSON, IL 62473-1048 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3333/177 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 3333/177 |
| Instrument | 201701704368 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | PANA, IL 62557 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 108 DAVIS DR, WATSON, IL 62473-1048 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2021 |
| Title Company | BAKERS TITLE, BANKERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 3333/195 |
|---|---|
| Date | Sep 14, 2017 |
| Book Page | 3333/195 |
| Instrument | 201701704370 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | PANA, IL 62557 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 8, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Change Frequency | Monthly |
Source: Effingham County assessment roll, as of October 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Jackson Township |
| Municipality | Watson Village |
| Unified School District | Effingham Community Unit School District 40 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,820.00 (+64.1%) | $170,510 (+57.31%) Land $3,600 Building $166,910 | $511,530 (+57.31%) Land $10,800 Building $500,730 |
| 2022 | $5,984.00 Homeowner's exemption | $108,390 Land $2,700 Building $105,690 | $325,170 Land $8,100 Building $317,070 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 COOPERATIVE private · serves 29,720 people · EPA ID IL0790010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 25 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.
Source: FCC Broadband Data Collection, based on 13 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 |
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