Effingham County property record for 406 W Main St, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 880 sqft · built 1952 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,159 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage Oct 2018 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-21-002-045 |
| Primary APN | 14-21-002-045 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 880 sqft Base Area |
| 1st Floor Area | 880 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Construction Type | Frame |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Area | 903 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 406 W MAIN ST |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-1114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT W 140.25FT OF S 145.98FT OF LOTS 6 & 7 NW 3453/101 3422/33 3161/221 3073/95 2340/5 2316/81 2200/290 2200/287 2057/19 2057/ |
| Legal Tract | 1 |
| Legal Lot Number | 6-7 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | WATSON |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 950400 |
406 W Main St is owned by a company that acquired it in October 2018.
Source: Effingham County records, as of October 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1006 CRESTWOOD DR, EFFINGHAM, IL 62401-3160 |
| Owner Type | Company |
| Vesting | Company |
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 |
|---|---|
| Mar 20, 2019 | Special Warranty Deed, Transfer · Commercial Mortgage DIETERICH BANK NA |
| Oct 17, 2018 | Sheriff's Deed, Foreclosure |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2018 |
| Deed Sale | Oct 17, 2018 |
| Prior Sale | Aug 10, 2007 · Amount on File |
| Deed Document Number | 20181804349 |
| Deed Book / Page | 3422 / 33 |
| Prior Transfer Date | Sep 24, 2018 |
| Prior Transfer Doc | 3422/033 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Mar 20, 2019 |
| Property Address | 406 W MAIN ST, WATSON, IL 62473-1114 |
| Document Number | 3453/101 |
| Book / Page | 3453 / 101 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 201901900936 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001 |
| Name | Verified Name |
|---|---|
| Address | 1006 CRESTWOOD DR, EFFINGHAM, IL 62401-3160 |
| Document Number | 201901900937 |
|---|---|
| Date | Mar 20, 2019 |
| Instrument | 201901900937 |
| Name | DIETERICH BANK NA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Feb 27, 2024 |
| Rate | 5.19% |
|---|
| Document Type | Sheriff's Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Oct 17, 2018 |
| Property Address | 406 W MAIN ST, WATSON, IL 62473-1114 |
| Document Number | 3422/033 |
| Book / Page | 3422 / 033 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 201801804349 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 5, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042 |
The 2025 property tax bill for 406 W Main St was $2,159, up 7.3% 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 | $2,159.00 (+7.31%) | $37,280 (+1%) Land $6,580 Building $30,700 | $111,840 (+1%) Land $19,740 Building $92,100 |
| 2024 | $2,012.00 | $33,890 Land $5,980 Building $27,910 | $101,670 Land $17,940 Building $83,730 |
| 2022 | $1,351.00 | $14,920 Land $4,920 Building $10,000 | $44,760 Land $14,760 Building $30,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 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 406 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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