102 Cimarron St, Watson, IL 62473 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 950 sqft · built 1981
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (May 2022)
Tax Bill	$1,122 (2024)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-013-020`

Property Details

APN / Parcel Number

Primary APN	`14-21-013-020`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	950 sqft Base Area
1st Floor Area	950 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
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 CIMARRON ST
City	WATSON
State	IL
Zip	62473-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 84 CHAPARRAL SUB ADD F 3783/338 3567/72 3287/339 2660/2 1024/120
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	84
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1063
Census Tract	950400

Owner

Source: Effingham County records, as of September 9, 2025

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 CIMARRON ST, WATSON, IL 62473-1000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Warranty Deed, Transfer · Conventional Mortgage LAND OF LINCOLN CU
May 22, 2020	Warranty Deed, Transfer
Mar 24, 2017	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	20222040
Deed Book / Page	3783 / 338
Prior Transfer Date	May 13, 2022
Prior Transfer Doc	003783/338
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 16, 2022
Property Address	102 CIMARRON ST, WATSON, IL 62473-1000
Document Number	003783/338
Book / Page	3783 / 338
Map Reference	MB 12 PG 243
Instrument Date	May 13, 2022
Instrument	202222002040
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 CIMARRON ST, WATSON, IL 62473-1000

Mortgage

Document Number	202222002041
Date	May 16, 2022
Instrument	202222002041

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

Interest

Rate	4.75%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 22, 2020
Property Address	102 CIMARRON ST, WATSON, IL 62473-1000
Document Number	3567/72
Book / Page	3567 / 72
Map Reference	MB 12 PG 243
Instrument Date	May 20, 2020
Instrument	202020002541
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Tax	$90.00
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	102 CIMARRAN ST, EFFINGHAM, IL 62401

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 24, 2017
Property Address	102 CIMARRON ST, WATSON, IL 62473-1000
Document Number	3287/339
Book / Page	3287 / 339
Map Reference	PL 54-A MB 12 PG 243
Instrument Date	Mar 23, 2017
Instrument	201701701320
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14628 E 700TH AVE, WATSON, IL 62473-2309

Mortgage

Document Number	201701701321
Date	Mar 24, 2017
Instrument	201701701321

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$1,122.00 (-31.17%)	$24,900 (+21.58%) Land $6,420 Building $18,480	$74,700 (+21.58%) Land $19,260 Building $55,440
2022	$1,630.00	$20,480 Land $5,280 Building $15,200	$61,440 Land $15,840 Building $45,600

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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