301 Vine St, Watson, IL 62473 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 964 sqft · built 1981
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$112,000 (Jan 2023)
Tax Bill	$1,880 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-013-028`

Property Details

APN / Parcel Number

Primary APN	`14-21-013-028`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	964 sqft Base Area
1st Floor Area	964 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Frame
Lot Area	13,504 sqft (0.31 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	301 VINE ST
City	WATSON
State	IL
Zip	62473-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 92 CHAPARRAL SUB ADD F 3838/74 3331/145 2586/91 936/245
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	92
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1073
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 VINE ST, WATSON, IL 62473-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK
Sep 5, 2017	Warranty Deed, Transfer · Conventional Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2023 · Amount on Record
Deed Sale	Jan 31, 2023 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	2023332
Deed Book / Page	3838 / 74
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 31, 2023
Property Address	301 VINE ST, WATSON, IL 62473-1004
Document Number	0003838/74
Book / Page	3838 / 74
Map Reference	PL 54-A MB 12 PG 243
Instrument Date	Jan 27, 2023
Instrument	202323000332
Transaction Type	Transfer
Record Updated	Feb 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$112.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 VINE ST, WATSON, IL 62473-1004

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	301 VINE ST, WATSON, IL 62473-1004

Mortgage

Document Number	202323000333
Date	Jan 31, 2023
Instrument	202323000333

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate	6.5%

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 5, 2017
Property Address	301 VINE ST, WATSON, IL 62473-1004
Document Number	3331/145
Book / Page	3331 / 145
Map Reference	MB 12 PG 243
Instrument Date	Sep 1, 2017
Instrument	201701704216
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
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	301 VINE ST, WATSON, IL 62473-1004

Mortgage

Document Number	201701704217
Date	Sep 5, 2017
Instrument	201701704217

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate	3.75%

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	$1,880.00 (+46.76%)	$38,460 (+33.73%) Land $7,340 Building $31,120	$115,380 (+33.73%) Land $22,020 Building $93,360
2022	$1,281.00 Homeowner's exemption	$28,760 Land $5,490 Building $23,270	$86,280 Land $16,470 Building $69,810

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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Vine St

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