104 Cimarron St, Watson, IL 62473 Property Records

Effingham County property record for 104 Cimarron St, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,036 sqft · built 1982
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,134 (2024)
Deeds & Mortgages	Jun 2023 Transfer Mar 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-013-019`

Property Details

APN / Parcel Number

Primary APN	`14-21-013-019`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,036 sqft Base Area
1st Floor Area	1,036 sqft
Basement Area	1,036 sqft
Unfinished Basement	1,036 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	104 CIMARRON ST
City	WATSON
State	IL
Zip	62473-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 83 CHAPARRAL SUB ADD F 3861/77 3055/43 1285/105 848/50
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	83
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1063
Census Tract	950400

Owner

Source: Effingham County records, as of March 6, 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 CIMARRON ST, WATSON, IL 62473-1000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Mar 30, 2017	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Aug 21, 2017	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 25, 2023
Transfer Doc	0003861/77
Record Updated	Sep 20, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 2, 2023
Property Address	104 CIMARRON ST, WATSON, IL 62473-1000
Document Number	0003861/77
Book / Page	3861 / 77
Instrument Date	May 25, 2023
Instrument	202323001843
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 CIMARRON ST, WATSON, IL 62473-1000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8242 WOOSTER PIKE, CINCINNATI, OH 45227-4010

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	104 CIMARRON ST, WATSON, IL 62473-1000
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3289/093
Date	Mar 30, 2017
Book Page	3289/093
Instrument	201701701411

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	104 CIMARRON ST, WATSON, IL 62473-1000
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3328/222
Date	Aug 21, 2017
Book Page	3328/222
Instrument	201701704060

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Change Frequency	Monthly

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	$2,134.00 (+32.3%)	$41,950 (+21.56%) Land $6,420 Building $35,530	$125,850 (+21.56%) Land $19,260 Building $106,590
2022	$1,613.00 Homeowner's exemption	$34,510 Land $5,280 Building $29,230	$103,530 Land $15,840 Building $87,690

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	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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