206 Illini St, Watson, IL 62473 Property Records

Effingham County property record for 206 Illini St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,522 sqft · built 2002
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,000 (Mar 2020)
Tax Bill	$2,850 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-041-022`

Property Details

APN / Parcel Number

Primary APN	`14-21-041-022`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,522 sqft Base Area
1st Floor Area	2,522 sqft
Basement Area	895 sqft
Unfinished Basement	895 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	20,038 sqft (0.46 acres)
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	206 ILLINI ST
City	WATSON
State	IL
Zip	62473-2424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 21 & 22 INDIAN HILLS SUB ADD A 3540/131 2174/6 1540/346 1540/343 1287/275
Legal Subdivision	INDIAN HILLS SUBDIVISION ADDITION
Legal Lot Number	21-22
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1078
Census Tract	950400

Owner

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	206 ILLINI ST, WATSON, IL 62473-2424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Mar 21, 2018	Deed of Trust, Mortgage · Line of Credit TEUTOPOLIS STATE BANK
Oct 30, 2020	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 10, 2020	Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2020 · Amount on Record
Deed Sale	Mar 10, 2020 · Amount on Record
Prior Sale	Oct 17, 2005 · Amount on Record
Deed Document Number	202020001057
Deed Book / Page	3540 / 131
Last Transfer Date	Sep 14, 2026
Transfer Doc	0000003552
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 18, 2026
Property Address	206 ILLINI ST, WATSON, IL 62473-2424
Document Number	0000003552
Instrument Date	Sep 14, 2026
Instrument	20263552
Transaction Type	Transfer
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 ILLINI ST, WATSON, IL 62473-2424

Mortgage

Document Number	0000003553,
Date	Sep 18, 2026
Instrument	20263553

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.9%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	206 ILLINI ST, WATSON, IL 62473-2424
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3371/214
Date	Mar 21, 2018
Book Page	3371/214
Instrument	201801800954

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Apr 15, 2023

Interest

Rate	4.5%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	206 ILLINI ST, WATSON, IL 62473-2424
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 ILLINI ST, WATSON, IL 62473-2424

Mortgage

Document Number	3626/96
Date	Oct 30, 2020
Book Page	3626/96
Instrument	202020006040

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Apr 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 10, 2020
Property Address	206 ILLINI ST, WATSON, IL 62473-2424
Document Number	3540/131
Book / Page	3540 / 131
Instrument Date	Mar 6, 2020
Instrument	202020001057
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 ILLINI ST, WATSON, IL 62473-2424

Mortgage

Document Number	3540/134
Date	Mar 10, 2020
Book Page	3540/134
Instrument	2000001058

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

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
2025	$2,850.00 (+42.22%)	$55,210 (+33.71%) Land $9,830 Building $45,380	$165,630 (+33.71%) Land $29,490 Building $136,140
2022	$2,004.00 Homeowner's exemption	$41,290 Land $7,350 Building $33,940	$123,870 Land $22,050 Building $101,820

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 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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