103 Sunset Dr, Watson, IL 62473 Property Records

Effingham County property record for 103 Sunset Dr, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 866 sqft · built 1977
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,457 (2024)
Deeds & Mortgages	Apr 2023 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-011-009`

Property Details

APN / Parcel Number

Primary APN	`14-21-011-009`

Interior

Bedrooms	1 Bed
Building Area	866 sqft Base Area
1st Floor Area	866 sqft
Basement Area	866 sqft
Unfinished Basement	866 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Garage Area	552 sqft

Location & Zoning

Street Address	103 SUNSET DR
City	WATSON
State	IL
Zip	62473-1028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 CHAPARRAL SUB 3399/259 1291/244 1291/242 1157/220 815/19
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	9
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1059
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	2 Individual Names on Record
Mailing Address	103 SUNSET DR, WATSON, IL 62473-1028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Feb 24, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jul 17, 2018	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2018
Deed Sale	Jul 17, 2018
Deed Document Number	20181802873
Deed Book / Page	3399 / 259
Prior Transfer Date	Jul 5, 2018
Prior Transfer Doc	3399/259
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	103 SUNSET DR, WATSON, IL 62473-1028
Transaction Type	Mortgage
Record Updated	Jun 6, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUNSET DR, WATSON, IL 62473-1028

Mortgage

Document Number	003850/113
Date	Apr 13, 2023
Book Page	3850/113
Instrument	202323001163

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 5, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	103 SUNSET DR, WATSON, IL 62473-1028
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3536/26
Date	Feb 24, 2020
Book Page	3536/26
Instrument	202020000794

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2045

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 17, 2018
Property Address	103 SUNSET DR, WATSON, IL 62473-1028
Document Number	3399/259
Book / Page	3399 / 259
Map Reference	MB 10 PG 283
Instrument Date	Jul 5, 2018
Instrument	201801802873
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 SUNSET DR, WATSON, IL 62473-1028

Mortgage

Document Number	201801802874
Date	Jul 17, 2018
Instrument	201801802874

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2038

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$2,457.00 (+31.25%)	$47,390 (+21.54%) Land $3,570 Building $43,820	$142,170 (+21.54%) Land $10,710 Building $131,460
2022	$1,872.00 Homeowner's exemption	$38,990 Land $2,940 Building $36,050	$116,970 Land $8,820 Building $108,150

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Direct burnable vegetation

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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