109 Elmwood Dr, Watson, IL 62473 Property Records

Effingham County property record for 109 Elmwood Dr, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,080 sqft · built 2001
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Feb 2007)
Tax Bill	$2,064 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-10-291-007`

Property Details

APN / Parcel Number

Primary APN	`14-10-291-007`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,080 sqft Base Area
1st Floor Area	1,080 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	109 ELMWOOD DR
City	WATSON
State	IL
Zip	62473-1102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 ELMWOOD ESTATES SUB 2292/79 2288/139 1501/224 1448/132 650/258
Legal Subdivision	ELMWOOD ESTATES SUBDIVISION
Legal Lot Number	7
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	2 Individual Names on Record
Mailing Address	109 ELMWOOD DR, WATSON, IL 62473-1102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CREDIT UNION
Jul 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2007 · Amount on Record
Deed Sale	Feb 5, 2007 · Amount on Record
Prior Sale	Jan 19, 2007
Deed Document Number	2007547
Deed Book / Page	2292 / 79
Prior Transfer Date	Jan 5, 2007
Prior Transfer Doc	2288/129
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	May 12, 2026
Property Address	109 ELMWOOD DR, WATSON, IL 62473-1102
Document Number	0000001722
Instrument Date	Apr 30, 2026
Instrument	20261722
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ELMWOOD DR, WATSON, IL 62473-1102

Mortgage

Document Number	0000001722,
Date	May 12, 2026
Instrument	20261722

Lender

Name	LAND OF LINCOLN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	109 ELMWOOD DR, WATSON, IL 62473-1102
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 ELMWOOD DR, WATSON, IL 62473-1102

Mortgage

Document Number	3710/174
Date	Jul 29, 2021
Book Page	3710/174
Instrument	202121003841

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	164 Months
Due	Mar 7, 2035

Interest

Rate	2.37%

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	$2,064.00 (+9.21%) Homeowner's exemption	$41,630 (+10.02%) Land $5,670 Building $35,960	$124,890 (+10.02%) Land $17,010 Building $107,880
2024	$1,890.00 (+55.05%)	$37,840 (+21.55%) Land $5,150 Building $32,690	$113,520 (+21.55%) Land $15,450 Building $98,070
2022	$1,219.00 Homeowner's exemption	$31,130 Land $4,240 Building $26,890	$93,390 Land $12,720 Building $80,670

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 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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