109 Sunset Dr, Watson, IL 62473 Property Records

Effingham County property record for 109 Sunset Dr, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$44,500 (Jul 2001)
Tax Bill	$2,621 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2022 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`14-21-011-006`

Property Details

APN / Parcel Number

Primary APN	`14-21-011-006`

Interior

Bedrooms	1 Bed
Building Area	860 sqft Base Area
1st Floor Area	860 sqft
Basement Area	860 sqft
Unfinished Basement	860 sqft

Exterior

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

Location & Zoning

Street Address	109 SUNSET DR
City	WATSON
State	IL
Zip	62473-1028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 CHAPARRAL SUB 1654/85 1280/286 644/242
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	6
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1059
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	109 SUNSET DR, WATSON, IL 62473-1028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Closed-End Mortgage TEUTOPOLIS STATE BANK
Aug 17, 2022	Deed of Trust, Mortgage · Construction Mortgage TEUTOPOLIS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2001 · Amount on Record
Deed Sale	Jul 26, 2001 · Amount on Record
Deed Document Number	20012014461
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	109 SUNSET DR, WATSON, IL 62473-1028
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SUNSET DR, WATSON, IL 62473-1028

Mortgage

Document Number	003873/276
Date	Aug 18, 2023
Book Page	3873/276
Instrument	202323002666

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Sep 16, 2028

Interest

Rate	6%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	109 SUNSET DR, WATSON, IL 62473-1028
Transaction Type	Mortgage
Record Updated	Sep 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1096 SUNSET DR, WATSON, IL 62473

Mortgage

Document Number	003805/188
Date	Aug 17, 2022
Book Page	3805/188
Instrument	202222003416

Lender

Name	TEUTOPOLIS STATE BANK
Type	Bank
Address	TEUTOPOLIS, IL 62467

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Feb 8, 2023

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

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

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
2025	$2,621.00 (+42.83%)	$51,250 (+33.67%) Land $4,550 Building $46,700	$153,750 (+33.67%) Land $13,650 Building $140,100
2022	$1,835.00 Homeowner's exemption	$38,340 Land $3,410 Building $34,930	$115,020 Land $10,230 Building $104,790

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

Nearby Properties on Sunset Dr

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