100 Chaparral St, Watson, IL 62473 Property Records

Effingham County property record for 100 Chaparral St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,016 sqft · built 1978
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Dec 2025)
Tax Bill	$2,074 (2024)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Nov 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-012-025`

Property Details

APN / Parcel Number

Primary APN	`14-21-012-025`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,016 sqft Base Area
1st Floor Area	1,016 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	100 CHAPARRAL ST
City	WATSON
State	IL
Zip	62473-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 43 CHAPARRAL SUB ADD C 25004755 25004298 3724/108 3706/289 3680/202 3590/78 2149/329 1752/319 1284/216 1085/143 1080/197
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	43
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1060
Census Tract	950400

Owner

100 Chaparral St is owned and occupied by an individual who bought it in December 2025.

Source: Effingham County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	100 CHAPARRAL ST, WATSON, IL 62473-1005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Warranty Deed, Transfer · Conventional Mortgage CASTLE & COOKE MORTGAGE LLC
Nov 26, 2025	Warranty Deed, Transfer
Jul 16, 2021	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
Sep 15, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 28, 2021	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Sep 15, 2021 · Amount on File
Deed Document Number	20254755
Prior Transfer Date	Apr 26, 2021
Prior Transfer Doc	003680/202
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 31, 2025
Property Address	100 CHAPARRAL ST, WATSON, IL 62473-1005
Document Number	202525004755
Map Reference	PL 38-B MB 11 PG 284
Instrument Date	Dec 29, 2025
Instrument	202525004755
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 CHAPARRAL ST, WATSON, IL 62473-1005

Mortgage

Document Number	202525004756
Date	Dec 31, 2025
Instrument	202525004756

Lender

Name	CASTLE & COOKE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 26, 2025
Property Address	100 CHAPARRAL ST, WATSON, IL 62473-1005
Document Number	202525004298
Map Reference	MB 11 PG 284
Instrument Date	Nov 24, 2025
Instrument	202525004298
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 CHAPARRAL ST, WATSON, IL 62473-1005

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 16, 2021
Property Address	100 CHAPARRAL ST, WATSON, IL 62473-1005
Document Number	003706/289
Book / Page	3706 / 289
Map Reference	PL 38-B MB 11 PG 284
Instrument Date	Jul 15, 2021
Instrument	202121003624
Transaction Type	Transfer
Record Updated	Aug 30, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 CHAPARRAL ST, WATSON, IL 62473-1005

Mortgage

Document Number	202121003625
Date	Jul 16, 2021
Instrument	202121003625

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	003709/271
Date	Jul 27, 2021
Book Page	3709/271
Instrument	202121003796

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Aug 15, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 15, 2021
Property Address	100 CHAPARRAL ST, WATSON, IL 62473-1005
Document Number	003724/108
Book / Page	3724 / 108
Map Reference	MB 11 PG 284
Instrument Date	Jun 15, 2021
Instrument	202121004661
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$65.25
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	13225 AUGUSTA NATIONAL DR, EFFINGHAM, IL 62401-7724

April 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 28, 2021
Property Address	100 CHAPARRAL ST, WATSON, IL 62473-1005
Document Number	003680/202
Book / Page	3680 / 202
Map Reference	PL 38-B MB 11 PG 284
Instrument Date	Apr 26, 2021
Instrument	202121002056
Transaction Type	Foreclosure
Record Updated	Aug 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MORTGAGE WAY, MOUNT LAUREL, NJ 08054-4637

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		$45,030 (+9.99%) Land $7,060 Building $37,970	$135,090 (+9.99%) Land $21,180 Building $113,910
2024	$2,074.00 Homeowner's exemption	$40,940 Land $6,420 Building $34,520	$122,820 Land $19,260 Building $103,560
2022	$1,565.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$33,680 Land $5,280 Building $28,400	$101,040 Land $15,840 Building $85,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 100 Chaparral 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

Wildfire risk around 100 Chaparral 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 Chaparral St

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