304 N Maple St, Watson, IL 62473 Property Records

Effingham County property record for 304 N Maple St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,200 sqft · built 1976
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$64,000 (Aug 2005)
Tax Bill	$2,069 (2024)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-011-001`

Property Details

APN / Parcel Number

Primary APN	`14-21-011-001`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,200 sqft Base Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)

Location & Zoning

Street Address	304 N MAPLE ST
City	WATSON
State	IL
Zip	62473-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 CHAPARRAL SUB 3657/74 2159/176 887/80
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1059
Census Tract	950400

Owner

Source: Effingham County records, as of September 9, 2025

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	304 N MAPLE ST, WATSON, IL 62473-1023
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2005 · Amount on Record
Deed Sale	Aug 19, 2005 · Amount on Record
Deed Document Number	20054553
Deed Book / Page	2159 / 176
Last Transfer Date	Feb 9, 2021
Transfer Doc	3657/74
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 11, 2021
Property Address	304 N MAPLE ST, WATSON, IL 62473-1023
Document Number	3657/74
Book / Page	3657 / 74
Map Reference	MB 10 PG 283 PL 16-B
Instrument Date	Feb 9, 2021
Instrument	202121000693
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N MAPLE ST, WATSON, IL 62473-1023

Mortgage

Document Number	202121000694
Date	Feb 11, 2021
Instrument	202121000694

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$2,069.00 (+32.54%)	$40,840 (+21.55%) Land $6,420 Building $34,420	$122,520 (+21.55%) Land $19,260 Building $103,260
2022	$1,561.00 Homeowner's exemption	$33,600 Land $5,280 Building $28,320	$100,800 Land $15,840 Building $84,960

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 N Maple St

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