102 Chaparral St, Watson, IL 62473 Property Records

Effingham County property record for 102 Chaparral St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 912 sqft · built 1978
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Apr 2022)
Tax Bill	$1,633 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-012-026`

Property Details

APN / Parcel Number

Primary APN	`14-21-012-026`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	912 sqft Base Area
1st Floor Area	912 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	102 CHAPARRAL ST
City	WATSON
State	IL
Zip	62473-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 CHAPARRAL SUB ADD C 3775/130 2714/62 2688/130 1665/87 1616/325 1615/270 1227/113 876/221 667/146
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	44
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1060
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	102 CHAPARRAL ST, WATSON, IL 62473-1005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Prior Sale	Mar 15, 2011 · Amount on Record
Deed Document Number	20221517
Deed Book / Page	3775 / 130
Prior Transfer Date	Apr 11, 2022
Prior Transfer Doc	003775/130
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 12, 2022
Property Address	102 CHAPARRAL ST, WATSON, IL 62473-1005
Document Number	003775/130
Book / Page	3775 / 130
Map Reference	MB 11 PG 284
Instrument Date	Apr 11, 2022
Instrument	202222001517
Transaction Type	Transfer
Record Updated	May 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 CHAPARRAL ST, 102, WATSON, IL 62473-1005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 CHAPARRAL ST, WATSON, IL 62473-1005

Mortgage

Document Number	202222001518
Date	Apr 12, 2022
Instrument	202222001518

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.1%

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	$1,633.00 (+9.67%) Homeowner's exemption	$34,200 (+1%) Land $7,060 Building $27,140	$102,600 (+1%) Land $21,180 Building $81,420
2024	$1,489.00 (+35.73%)	$31,090 (+21.54%) Land $6,420 Building $24,670	$93,270 (+21.54%) Land $19,260 Building $74,010
2022	$1,097.00 Homeowner's exemption	$25,580 Land $5,280 Building $20,300	$76,740 Land $15,840 Building $60,900

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
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

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