200 N Maple St, Watson, IL 62473 Property Records

Effingham County property record for 200 N Maple St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,088 sqft · built 1981
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$42,500 (Jul 2014)
Tax Bill	$620 (2022)
Deeds & Mortgages	Jun 2018 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-013-025`

Property Details

APN / Parcel Number

Primary APN	`14-21-013-025`

Interior

Stories	1 Story
Building Area	1,088 sqft Base Area
Basement Area	1,056 sqft

Exterior

Year Built	Built 1981
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	200 N MAPLE ST
City	WATSON
State	IL
Zip	62473-1022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 89 CHAPARRAL SUB ADD F 3049/110 2965/162 1855/324 928/322
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	89
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1059
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
Mailing Address	200 N MAPLE ST, WATSON, IL 62473-1022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2018	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2014 · Amount on Record
Deed Sale	Jul 16, 2014 · Amount on Record
Prior Sale	Jul 12, 2013
Deed Document Number	201401402984
Deed Book / Page	3049 / 110
Record Updated	Jun 7, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	200 N MAPLE ST, WATSON, IL 62473-1022
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003390/142
Date	Jun 8, 2018
Book Page	3390/142
Instrument	201801802283

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	200 N MAPLE ST, WATSON, IL 62473-1022
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003730/336
Date	Oct 13, 2021
Book Page	3730/336
Instrument	202121005072

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.12%

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	$620.00 Homeowner's exemption	$17,310 Land $5,480 Building $11,830	$51,930 Land $16,440 Building $35,490

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	Direct burnable vegetation

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 116 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: Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Maple St

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