Effingham County property record for 403 W Main St, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2,047 sqft · built 1998 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $495,000 (Sep 2024) |
| Tax Bill | $2,047 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Line of Credit Dec 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-21-003-010 |
| Primary APN | 14-21-003-010 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 2,047 sqft Base Area |
| 1st Floor Area | 2,047 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Construction Type | Frame |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 403 W MAIN ST |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-1115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 SW 24003060 3583/1 3519/229 2705/284 2577/77 2539/67 1008/309 |
| Legal Lot Number | 8 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | WATSON |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 950400 |
403 W Main St is owned and occupied by two individuals who bought it in September 2024.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 W MAIN ST, WATSON, IL 62473-1115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 29, 2020 | Special Warranty Deed, Transfer · Line of Credit FIRST STATE BANK OF BEECHER CITY |
| Dec 13, 2019 | Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2024 · Amount on File |
| Deed Sale | Sep 17, 2024 · Amount on File |
| Prior Sale | Jun 29, 2020 · Amount on File |
| Deed Document Number | 20243060 |
| Prior Transfer Date | Feb 3, 2011 |
| Prior Transfer Doc | 2705/284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Jun 29, 2020 |
| Property Address | 403 W MAIN ST, WATSON, IL 62473-1115 |
| Document Number | 3583/1 |
| Book / Page | 3583 / 1 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 202020003430 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 W MAIN ST, WATSON, IL 62473-1115 |
| Document Number | 202020003431 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 202020003431 |
| Name | FIRST STATE BANK OF BEECHER CITY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 62 Months |
| Due | Aug 1, 2025 |
| Document Type | Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Dec 13, 2019 |
| Property Address | 403 W MAIN ST, WATSON, IL 62473-1115 |
| Document Number | 3519/229 |
| Book / Page | 3519 / 229 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 201901905120 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND |
| Amount | Amount on Record |
|---|---|
| Tax | $27.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8722 E 1210TH RD, EFFINGHAM, IL 62401-7203 |
The 2025 property tax bill for 403 W Main St was $2,047 with a homeowner's exemption, up 9.1% from the year before.
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,047.00 (+9.12%) Homeowner's exemption | $41,350 (+1%) Land $9,830 Building $31,520 | $124,050 (+1%) Land $29,490 Building $94,560 |
| 2024 | $1,876.00 | $37,590 Land $8,940 Building $28,650 | $112,770 Land $26,820 Building $85,950 |
| 2022 | $2,568.00 Homeowner's exemption | $30,920 Land $7,350 Building $23,570 | $92,760 Land $22,050 Building $70,710 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 403 W Main St in Zone X, an area of minimal flood risk.
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 risk around 403 W Main St is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
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