10675 E 850th Ave, Watson, IL 62473 Property Records

Effingham County property record for 10675 E 850th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 2,192 sqft · built 1974
Lot Size	2.47 acres (107,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$825,000 (Nov 2024)
Tax Bill	$3,227 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-06-023-026`

Property Details

APN / Parcel Number

Primary APN	`04-06-023-026`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	2,192 sqft Base Area
1st Floor Area	2,192 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Lot Area	107,593 sqft (2.47 acres)

Location & Zoning

Street Address	10675 E 850TH AVE
City	WATSON
State	IL
Zip	62473-2014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 L D BOERNGEN SUB 24003797 3431/180 838/105 543/309 486/152
Legal Subdivision	BOERNGEN SUB
Legal Lot Number	3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1035
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	4300 E NICHOLSON HOLLOW RD, SALEM, IN 47167-7274
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Nov 28, 2018	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2024 · Amount on Record
Deed Sale	Nov 18, 2024 · Amount on Record
Deed Document Number	20243797
Prior Transfer Date	Nov 26, 2018
Prior Transfer Doc	3431/180
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Jul 13, 2026
Property Address	10675 E 850TH AVE, WATSON, IL 62473-2014
Document Number	0000002541
Instrument Date	Jul 3, 2026
Instrument	20262541
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	10675 E 850TH AVE, WATSON, IL 62473-2014

Mortgage

Document Number	0000002541,
Date	Jul 13, 2026
Instrument	20262541

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 23, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 28, 2018
Property Address	10675 E 850TH AVE, WATSON, IL 62473-2014
Document Number	3431/180
Book / Page	3431 / 180
Map Reference	MB 10 PG 22
Instrument Date	Nov 26, 2018
Instrument	201801804937
Transaction Type	Transfer
Record Updated	Jun 6, 2023
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	Revocable Trust
Address	10675 E 850TH AVE, WATSON, IL 62473-2014

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$3,227.00 (+17.35%)	$70,230 (+20.98%) Land $4,430 Building $65,800	$210,690 (+20.98%) Land $13,290 Building $197,400
2022	$2,750.00 Homeowner's exemption	$58,050 Land $3,660 Building $54,390	$174,150 Land $10,980 Building $163,170

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

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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