204 E Main St, Watson, IL 62473 Property Records

Effingham County property record for 204 E Main St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,081 sqft · built 1900
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Aug 2022)
Tax Bill	$517 (2022)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-001-035`

Property Details

APN / Parcel Number

Primary APN	`14-21-001-035`

Interior

Stories	2 Stories
Building Area	1,081 sqft Base Area
Basement Area	537 sqft

Exterior

Year Built	Built 1900
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	204 E MAIN ST
City	WATSON
State	IL
Zip	62473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 41 & 42 BLK 5 WATSON 3802/169 2274/302 654/238
Legal Block	5
Legal Lot Number	41-42
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1061
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
Co-owner	Co-owner on Record
Mailing Address	204 E MAIN ST, WATSON, IL 62473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Nov 21, 2006
Deed Document Number	202222003211
Deed Book / Page	3802 / 169
Record Updated	Jun 7, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 3, 2022
Property Address	204 E MAIN ST, WATSON, IL 62473
Document Number	003802/169
Book / Page	3802 / 169
Map Reference	MB J PG 590
Instrument Date	Aug 1, 2022
Instrument	202222003211
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
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
Address	204 E MAIN ST, WATSON, IL 62473

Mortgage

Document Number	202222003212
Date	Aug 3, 2022
Instrument	202222003212

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate	5%

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	$517.00	$24,880 Land $2,890 Building $21,990	$74,640 Land $8,670 Building $65,970

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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