Effingham County property record for 104 Chaparral St, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 964 sqft · built 1978 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,093 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-21-012-027 |
| Primary APN | 14-21-012-027 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Stories | 1 Story |
| Building Area | 964 sqft Base Area |
| 1st Floor Area | 964 sqft |
| 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 |
| Street Address | 104 CHAPARRAL ST |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-1005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 45 CHAPARRAL SUB ADD C 710/52 |
| Legal Subdivision | CHAPARRAL SUBDIVISION |
| Legal Lot Number | 45 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | WATSON |
| Census Block Group | 1 |
| Census Block | 1060 |
| Census Tract | 950400 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 104 CHAPARRAL ST, WATSON, IL 62473-1005 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 104 CHAPARRAL ST, WATSON, IL 62473-1005 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3367/289 |
|---|---|
| Date | Feb 27, 2018 |
| Book Page | 3367/289 |
| Instrument | 201801800680 |
| Name | CROSSROADS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Change Frequency | Monthly |
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,093.00 (-21.2%) | $40,900 (+33.7%) Land $7,060 Building $33,840 | $122,700 (+33.7%) Land $21,180 Building $101,520 |
| 2022 | $1,387.00 Homeowner's exemption Senior Citizen's exemption | $30,590 Land $5,280 Building $25,310 | $91,770 Land $15,840 Building $75,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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