11130 E 850th Ave, Watson, IL 62473 Property Records

Effingham County property record for 11130 E 850th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,920 sqft · built 2006
Lot Size	4.36 acres (189,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$23,500 (Aug 2004)
Tax Bill	$4,994 (2024)
Deeds & Mortgages	Oct 2019 Line of Credit Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-06-024-023`

Property Details

APN / Parcel Number

Primary APN	`04-06-024-023`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,920 sqft Base Area
1st Floor Area	1,920 sqft
Basement Area	1,920 sqft
Unfinished Basement	1,920 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	189,922 sqft (4.36 acres)
Garage Type	Mixed
Garage Area	1,514 sqft
Parking Spaces	5 Parking Spaces

Location & Zoning

Street Address	11130 E 850TH AVE
City	WATSON
State	IL
Zip	62473-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SW NW 2225/328 2060/48 783/27 481/154
Jurisdiction	EFFINGHAM IL
Township / Civil Division	JACKSON
Census Block Group	1
Census Block	1036
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	11130 E 850TH AVE, WATSON, IL 62473-2009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2019	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK
Nov 13, 2018	Deed of Trust, Mortgage · Line of Credit CROSSROADS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2004 · Amount on Record
Deed Sale	Aug 20, 2004 · Amount on Record
Deed Document Number	200420405223
Last Transfer Date	May 19, 2006
Transfer Doc	2225/328
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11130 E 850TH AVE, WATSON, IL 62473-2009
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3502/346
Date	Oct 7, 2019
Book Page	3502/346
Instrument	201901904053

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5%
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	11130 E 850TH AVE, WATSON, IL 62473-2009
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3428/113
Date	Nov 13, 2018
Book Page	3428/113
Instrument	201801804746

Lender

Name	CROSSROADS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.25%
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	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	$4,994.00 (+29.48%)	$95,360 (+21%) Land $6,620 Building $88,740	$286,080 (+21%) Land $19,860 Building $266,220
2022	$3,857.00 Homeowner's exemption	$78,810 Land $5,470 Building $73,340	$236,430 Land $16,410 Building $220,020

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 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Wisper ISP Fixed Wireless	100 / 20
KNR Wireless Fixed Wireless	100 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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