401 Olive St, Watson, IL 62473 Property Records

Effingham County property record for 401 Olive St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	900 sqft · built 1984
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (May 2020)
Tax Bill	$1,634 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-004-087`

Property Details

APN / Parcel Number

Primary APN	`14-21-004-087`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	900 sqft Base Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	20,909 sqft (0.48 acres)

Location & Zoning

Street Address	401 OLIVE ST
City	WATSON
State	IL
Zip	62473-1059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 107, 108 & 109 BLK 12 WATSON 3563/340 620/281 543/223
Legal Subdivision	VILLAGE OF WATSON
Legal Block	12
Legal Lot Number	107-109
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1078
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	401 OLIVE ST, WATSON, IL 62473-1059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Deed Document Number	202020002344
Deed Book / Page	3563 / 340
Record Updated	Oct 29, 2026

May 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 18, 2020
Property Address	401 OLIVE ST, WATSON, IL 62473-1059
Document Number	003563/340
Book / Page	3563 / 340
Map Reference	MB J PG 592
Instrument Date	May 14, 2020
Instrument	202020002344
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 OLIVE ST, WATSON, IL 62473-1059

Mortgage

Document Number	202020002345
Date	May 18, 2020
Instrument	202020002345

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	May 14, 2053

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	$1,634.00 (+9.66%)	$34,210 (+1%) Land $6,690 Building $27,520	$102,630 (+1%) Land $20,070 Building $82,560
2024	$1,490.00 Homeowner's exemption	$31,100 (+21.58%) Land $6,080 Building $25,020	$93,300 (+21.58%) Land $18,240 Building $75,060
2022	Homeowner's exemption	$25,580 Land $5,000 Building $20,580	$76,740 Land $15,000 Building $61,740

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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