301 Olive St, Watson, IL 62473 Property Records

Effingham County property record for 301 Olive St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,440 sqft · built 1975
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,777 (2025)
Deeds & Mortgages	Feb 2026 Transfer Apr 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-004-019`

Property Details

APN / Parcel Number

Primary APN	`14-21-004-019`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,440 sqft Base Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	301 OLIVE ST
City	WATSON
State	IL
Zip	62473-1064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 114 & 115 BLK 13 WATSON 706/204
Legal Subdivision	TOWN OF WATSON
Legal Block	13
Legal Lot Number	114-115
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1083
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	301 OLIVE ST, WATSON, IL 62473-1064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Transfer on Death Deed, Transfer
Apr 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HEALTHCARE ASSOCIATES CU
Apr 6, 2017	Deed of Trust, Mortgage HEALTHCARE ASSOCIATES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 3, 2026
Transfer Doc	0000000593
Record Updated	Oct 29, 2026

February 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 17, 2026
Property Address	301 OLIVE ST, WATSON, IL 62473-1064
Document Number	202626000593
Map Reference	MB J PG 590
Instrument Date	Feb 3, 2026
Instrument	202626000593
Transaction Type	Transfer
Record Updated	Mar 4, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 OLIVE ST, WATSON, IL 62473-1064

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	301 OLIVE ST, WATSON, IL 62473-1064
Transaction Type	Mortgage
Record Updated	May 23, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003774/121
Date	Apr 7, 2022
Book Page	3774/121
Instrument	202222001450

Lender

Name	HEALTHCARE ASSOCIATES CU
Type	Credit Union
Address	CHICAGO, IL 60653

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Mar 14, 2027

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	301 OLIVE ST, WATSON, IL 62473-1064
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3290/345
Date	Apr 6, 2017
Book Page	3290/345
Instrument	201701701518

Lender

Name	HEALTHCARE ASSOCIATES CU
Type	Credit Union
Address	CHICAGO, IL 60653

Agreement

Amount	Amount Recorded
Term	59 Months
Due	Mar 8, 2022

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	$1,777.00 (+11.27%)	$41,690 (+1%) Land $4,150 Building $37,540	$125,070 (+1%) Land $12,450 Building $112,620
2024	$1,597.00 (+12.39%) Homeowner's exemption Senior Citizen's exemption	$37,900 (+21.55%) Land $3,770 Building $34,130	$113,700 (+21.55%) Land $11,310 Building $102,390
2022	$1,421.00 Homeowner's exemption Senior Citizen's exemption	$31,180 Land $3,100 Building $28,080	$93,540 Land $9,300 Building $84,240

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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