10650 E 850th Ave, Watson, IL 62473 Property Records

Effingham County property record for 10650 E 850th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,064 sqft · built 2019
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on Record
Last Sale	$5,000 (Dec 2018)
Tax Bill	$2,617 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`04-06-231-007`

Property Details

APN / Parcel Number

Primary APN	`04-06-231-007`

Interior

Stories	1 Story
Building Area	1,064 sqft Base Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Frame
Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Street Address	10650 E 850TH AVE
City	WATSON
State	IL
Zip	62473-2048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 125FT OF W 155.01FT OF S 353FT LOT 5 WHITES SUB AS RECORDED POS 3437/58 3437/59 965/123 685/195 641/17
Legal Subdivision	WHITES SUBDIVISION
Legal Lot Number	5
Jurisdiction	EFFINGHAM IL
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1036
Census Tract	950400

Owner

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	Individual Name on Record
Mailing Address	10650 E 850TH AVE, WATSON, IL 62473-2048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CREDIT UNION
Dec 21, 2018	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on Record
Deed Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	20181805349
Deed Book / Page	3437 / 59
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 10, 2026
Property Address	10650 E 850TH AVE, WATSON, IL 62473-2048
Document Number	0000003006
Instrument Date	Jul 23, 2026
Instrument	20263006
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003006,
Date	Aug 10, 2026
Instrument	20263006

Lender

Name	LAND OF LINCOLN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 21, 2018
Property Address	10650 E 850TH AVE, WATSON, IL 62473-2048
Document Number	3437/059
Book / Page	3437 / 059
Instrument Date	Dec 17, 2018
Instrument	201801805349
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$7.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10738 E 850TH AVE, 10738, WATSON, IL 62473-2016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 S EDWARDS ST, ALTAMONT, IL 62411-1206

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Jackson Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,617.00 (+9.18%) Homeowner's exemption	$53,790 (+1%) Land $3,110 Building $50,680	$161,370 (+1%) Land $9,330 Building $152,040
2024	$2,397.00 (+59,825%)	$48,900 (+20.98%) Land $2,830 Building $46,070	$146,700 (+20.98%) Land $8,490 Building $138,210
2022	$4.00 Homeowner's exemption	$40,420 Land $2,340 Building $38,080	$121,260 Land $7,020 Building $114,240

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	None beyond ember reach

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 COOPERATIVE private · serves 29,720 people · EPA ID IL0790010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	25 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
KNR Wireless Fixed Wireless	100 / 10
Frontier DSL	10 / 1

May also be available: AT&T, Verizon, Wisper ISP.

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