Effingham County property record for 12374 E 550th Ave, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 1,576 sqft · built 1938 |
| Lot Size | 2.01 acres (87,556 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $129,000 (Jan 2019) |
| Tax Bill | $2,203 (2022) |
| Deeds & Mortgages | Jan 2019 Second Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-09-006-018 |
| Primary APN | 13-09-006-018 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,576 sqft Base Area |
| Basement Area | 1,024 sqft |
| Year Built | Built 1938 |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Lot Area | 87,556 sqft (2.01 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pole Barn | 3,840 sqft |
| Street Address | 12374 E 550TH AVE |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-2238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 418FT OF S 209FT S 1/2 NW FR 3441/55 706/108 532/255 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | UNION |
| Census Block Group | 1 |
| Census Block | 1113 |
| Census Tract | 950400 |
Source: Effingham County records, as of August 24, 2023
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 | 12374 E 550TH AVE, WATSON, IL 62473-2238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
| Jan 11, 2019 | Warranty Deed, Transfer · FHA Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 11, 2019 · Amount on Record |
| Deed Sale | Jan 11, 2019 · Amount on Record |
| Deed Document Number | 201901900105 |
| Deed Book / Page | 3441 / 055 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 12374 E 550TH AVE, WATSON, IL 62473-2238 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3441/071 |
|---|---|
| Date | Jan 11, 2019 |
| Book Page | 3441/071 |
| Instrument | 201901900107 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Recording Date | Jan 11, 2019 |
| Property Address | 12374 E 550TH AVE, WATSON, IL 62473-2238 |
| Document Number | 3441/055 |
| Book / Page | 3441 / 055 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 201901900105 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $193.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12374 E 550TH AVE, WATSON, IL 62473-2238 |
| Document Number | 201901900106 |
|---|---|
| Date | Jan 11, 2019 |
| Instrument | 201901900106 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
Source: Effingham County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Union Township |
| Unified School District | Effingham Community Unit School District 40 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | $2,203.00 Homeowner's exemption | $46,740 Land $3,450 Building $43,290 | $140,220 Land $10,350 Building $129,870 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wisper ISP Fixed Wireless | 400 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
| AT&T Fixed Wireless | 100 / 20 |
| KNR Wireless Fixed Wireless | 100 / 10 |
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