Effingham County property record for 203 Olive St, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1,146 sqft · built 1952 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $68,000 (Nov 2021) |
| Tax Bill | $1,136 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-21-004-016 |
| Primary APN | 14-21-004-016 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 1,146 sqft Base Area |
| 1st Floor Area | 1,146 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Street Address | 203 OLIVE ST |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-1058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 118 & 119 BLK 14 WATSON 3741/303 307/477 |
| Legal Block | 14 |
| Legal Lot Number | 118-119 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | WATSON |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 950400 |
203 Olive St is owned and occupied by an individual who bought it in November 2021.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 203 OLIVE ST, WATSON, IL 62473-1058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2021 · Amount on File |
| Deed Sale | Nov 23, 2021 · Amount on File |
| Deed Document Number | 202121005771 |
| Deed Book / Page | 3741 / 303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Nov 23, 2021 |
| Property Address | 203 OLIVE ST, WATSON, IL 62473-1058 |
| Document Number | 003741/303 |
| Book / Page | 3741 / 303 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 202121005771 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $68.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 OLIVE ST, WATSON, IL 62473-1058 |
| Document Number | 202121005772 |
|---|---|
| Date | Nov 23, 2021 |
| Instrument | 202121005772 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Rate | 2.62% |
|---|
The 2025 property tax bill for 203 Olive St was $1,136 with exemptions applied.
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 | $1,136.00 | $37,220 Land $4,150 Building $33,070 | $111,660 Land $12,450 Building $99,210 |
| 2022 | Homeowner's exemption | $27,830 Land $3,100 Building $24,730 | $83,490 Land $9,300 Building $74,190 |
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.
FEMA maps place 203 Olive St in Zone X, an area of minimal flood risk.
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 risk around 203 Olive St is low, with a 0.01% annual chance of 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.
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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