201 E Main St, Watson, IL 62473 Property Records

Effingham County property record for 201 E Main St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,448 sqft · built 1902
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$53,000 (Dec 2018)
Tax Bill	$1,927 (2022)
Deeds & Mortgages	Nov 2022 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-004-034`

Property Details

APN / Parcel Number

Primary APN	`14-21-004-034`

Interior

Stories	2 Stories
Building Area	1,448 sqft Base Area

Exterior

Year Built	Built 1902
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	201 E MAIN ST
City	WATSON
State	IL
Zip	62473-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 75 & 76 BLK 9 WATSON 3432/163 3010/195 1612/285 764/1
Legal Block	9
Legal Lot Number	75-76
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1084
Census Tract	950400

Owner

Source: Effingham County records, as of August 18, 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
Co-owner	Co-owner on Record
Mailing Address	201 E MAIN ST, WATSON, IL 62473-1122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 3, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2018 · Amount on Record
Deed Sale	Dec 3, 2018 · Amount on Record
Deed Document Number	201801804993
Deed Book / Page	3432 / 163
Record Updated	Jun 7, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	201 E MAIN ST, WATSON, IL 62473-1122
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003824/121
Date	Nov 15, 2022
Book Page	3824/121
Instrument	202222004632

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.37%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 3, 2018
Property Address	201 E MAIN ST, WATSON, IL 62473-1122
Document Number	3432/163
Book / Page	3432 / 163
Map Reference	DD J PG 509
Instrument Date	Nov 30, 2018
Instrument	201801804993
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	201 E MAIN ST, WATSON, IL 62473-1122

Mortgage

Document Number	201801804994
Date	Dec 3, 2018
Instrument	201801804994

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.37%

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	$1,927.00 Homeowner's exemption	$23,990 Land $2,890 Building $21,100	$71,970 Land $8,670 Building $63,300

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	Indirect within ember reach

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 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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