Effingham County property record for 112 W Walnut St, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2,052 sqft · built 1997 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $7,000 (Oct 2013) |
| Tax Bill | $2,427 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-21-003-015 |
| Primary APN | 14-21-003-015 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 2,052 sqft Base Area |
| 1st Floor Area | 2,052 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Lot Area | 43,560 sqft (1 acres) |
| Street Address | 112 W WALNUT ST |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-1055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E PT LOT 12 SW 2988/112 2436/111 1376/190 |
| Legal Lot Number | 12 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | WATSON |
| Census Block Group | 1 |
| Census Block | 1055 |
| 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 | 201 W MAIN ST, WATSON, IL 62473-1116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NEIGHBOR BANK NA |
| Jun 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NEIGHBOR BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 10, 2013 · Amount on Record |
| Deed Sale | Oct 10, 2013 · Amount on Record |
| Deed Document Number | 20131304995 |
| Deed Book / Page | 2988 / 112 |
| Prior Transfer Date | Aug 19, 2008 |
| Prior Transfer Doc | 2436/111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 112 W WALNUT ST, WATSON, IL 62473-1055 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0003875/97 |
|---|---|
| Date | Aug 25, 2023 |
| Book Page | 3875/97 |
| Instrument | 202323002757 |
| Name | FIRST NEIGHBOR BANK NA |
|---|---|
| Type | Bank |
| Address | GREENUP, IL 62428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.62% |
| Type Change Date | Sep 1, 2029 |
| Change Frequency | 3 Years |
| Min Rate At Change | 5.62% |
| Max Rate At Change | 9.62% |
| Index | 3-Year TN |
| Margin | 3 |
| Max Rate | 13.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 112 W WALNUT ST, WATSON, IL 62473-1055 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3695/58 |
|---|---|
| Date | Jun 11, 2021 |
| Book Page | 3695/58 |
| Instrument | 202121002932 |
| Name | FIRST NEIGHBOR BANK NA |
|---|---|
| Type | Bank |
| Address | GREENUP, IL 62428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Aug 1, 2026 |
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,427.00 (+43.69%) | $47,910 (+33.71%) Land $9,830 Building $38,080 | $143,730 (+33.71%) Land $29,490 Building $114,240 |
| 2022 | $1,689.00 Homeowner's exemption | $35,830 Land $7,350 Building $28,480 | $107,490 Land $22,050 Building $85,440 |
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 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.
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 |
| 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.
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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