103 Chaparral St, Watson, IL 62473 Property Records

Effingham County property record for 103 Chaparral St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 898 sqft · built 1979
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Aug 2023)
Tax Bill	$577 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jul 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-21-013-002`

Property Details

APN / Parcel Number

Primary APN	`14-21-013-002`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	898 sqft Base Area
1st Floor Area	898 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	103 CHAPARRAL ST
City	WATSON
State	IL
Zip	62473-1006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 66 CHAPARRAL SUB ADD D 3871/305 3590/150 1185/108
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	66
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1063
Census Tract	950400

Owner

103 Chaparral St is owned and occupied by an individual who bought it in August 2023.

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

Owner of Record	Individual Name on File
Mailing Address	103 CHAPARRAL ST, WATSON, IL 62473-1006
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Warranty Deed, Transfer · USDA Mortgage DIETERICH BANK NA
Jul 17, 2020	Warranty Deed, Transfer · Line of Credit KINMUNDY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2023 · Amount on File
Deed Sale	Aug 8, 2023 · Amount on File
Prior Sale	Jul 17, 2020 · Amount on File
Deed Document Number	20232547
Deed Book / Page	3871 / 305
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 8, 2023
Property Address	103 CHAPARRAL ST, WATSON, IL 62473-1006
Document Number	003871/305
Book / Page	3871 / 305
Map Reference	MB 12 PG 131 PL 46-B
Instrument Date	Aug 4, 2023
Instrument	202323002547
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CHAPARRAL ST, WATSON, IL 62473-1006

Mortgage

Document Number	202323002548
Date	Aug 8, 2023
Instrument	202323002548

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.12%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 17, 2020
Property Address	103 CHAPARRAL ST, WATSON, IL 62473-1006
Document Number	003590/150
Book / Page	3590 / 150
Map Reference	MB 12 PG 131
Instrument Date	Jul 13, 2020
Instrument	202020003869
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
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	101 SIERRA AVE, WATSON, IL 62473-1019

Mortgage

Document Number	202020003870
Date	Jul 17, 2020
Instrument	202020003870

Lender

Name	KINMUNDY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 103 Chaparral St was $577 with a homeowner's exemption.

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	$577.00	$15,970 Land $7,060 Building $8,910	$47,910 Land $21,180 Building $26,730
2022	$456.00	$11,940 Land $5,280 Building $6,660	$35,820 Land $15,840 Building $19,980

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 103 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 103 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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