305 E Walnut St, Watson, IL 62473 Property Records

Effingham County property record for 305 E Walnut St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	884 sqft · built 1986
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$75,500 (Dec 2018)
Tax Bill	$1,391 (2022)
Deeds & Mortgages	Jul 2017 Line of Credit Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-041-010`

Property Details

APN / Parcel Number

Primary APN	`14-21-041-010`

Interior

Building Area	884 sqft Base Area
Basement Area	500 sqft

Exterior

Year Built	Built 1986
Construction Type	Frame
Lot Area	9,583 sqft (0.219 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	305 E WALNUT ST
City	WATSON
State	IL
Zip	62473-1061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 INDIAN HILLS SUB 3435/300 1993/100 1882/207 1861/157 1785/175 706/241
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	10
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1078
Census Tract	950400

Owner

Source: Effingham County records, as of August 24, 2023

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
Co-owner	Co-owner on Record
Mailing Address	305 E WALNUT ST, WATSON, IL 62473-1061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2017	Deed of Trust, Mortgage · Line of Credit TEUTOPOLIS STATE BANK
Dec 17, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST MID BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Deed Document Number	201801805248
Deed Book / Page	3435 / 300
Record Updated	Jun 7, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	305 E WALNUT ST, WATSON, IL 62473-1061
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3316/321
Date	Jul 14, 2017
Book Page	3316/321
Instrument	201701703231

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2022

Interest

Rate	4.25%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 17, 2018
Property Address	305 E WALNUT ST, WATSON, IL 62473-1061
Document Number	3435/300
Book / Page	3435 / 300
Map Reference	MB 13 PG 37
Instrument Date	Dec 14, 2018
Instrument	201801805248
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	$113.25
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	305 E WALNUT ST, WATSON, IL 62473-1061

Mortgage

Document Number	201801805249
Date	Dec 17, 2018
Instrument	201801805249

Lender

Name	FIRST MID BANK & TRUST
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$1,391.00 Homeowner's exemption	$30,650 Land $3,420 Building $27,230	$91,950 Land $10,260 Building $81,690

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	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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