303 Vine St, Watson, IL 62473 Property Records

Effingham County property record for 303 Vine St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,008 sqft · built 1981
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Tax Bill	$1,837 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-013-027`

Property Details

APN / Parcel Number

Primary APN	`14-21-013-027`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,008 sqft Base Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	303 VINE ST
City	WATSON
State	IL
Zip	62473-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 91 CHAPARRAL SUB ADD F 24000819 3310/55 2358/290 2169/41 1176/200 885/214 761/139
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	91
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	Individual Name on Record
Mailing Address	303 VINE ST, WATSON, IL 62473-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · USDA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 18, 2024	Warranty Deed, Transfer · USDA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 10, 2022	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Jun 27, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2024
Deed Sale	Mar 18, 2024
Prior Sale	Jun 27, 2017 · Amount on Record
Deed Document Number	2024819
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	303 VINE ST, WATSON, IL 62473-1004
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 W EICHE AVE, EFFINGHAM, IL 62401-2723

Mortgage

Document Number	202422000820
Date	Mar 18, 2024
Instrument	202422000820

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	4201 MARSH LN, CARROLLTON, TX 75007

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.75%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 18, 2024
Property Address	303 VINE ST, WATSON, IL 62473-1004
Document Number	202424000819
Map Reference	MB 12 PG 243
Instrument Date	Mar 14, 2024
Instrument	202424000819
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 VINE ST, WATSON, IL 62473-1004

Mortgage

Document Number	202422000820
Date	Mar 18, 2024
Instrument	202422000820

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.75%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	303 VINE ST, WATSON, IL 62473-1004
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003823/104
Date	Nov 10, 2022
Book Page	3823/104
Instrument	202222004564

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 23, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 27, 2017
Property Address	303 VINE ST, WATSON, IL 62473-1004
Document Number	3310/055
Book / Page	3310 / 055
Map Reference	PL 54-A MB 12 PG 243
Instrument Date	Jun 19, 2017
Instrument	201701702773
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$67.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 VINE ST, WATSON, IL 62473-1004

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	$1,837.00 (+9.41%) Homeowner's exemption	$37,710 (+10.01%) Land $7,380 Building $30,330	$113,130 (+10.01%) Land $22,140 Building $90,990
2024	$1,679.00 (+34.43%)	$34,280 (+21.56%) Land $6,710 Building $27,570	$102,840 (+21.56%) Land $20,130 Building $82,710
2022	$1,249.00 Homeowner's exemption	$28,200 Land $5,520 Building $22,680	$84,600 Land $16,560 Building $68,040

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	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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