Effingham County property record for 12956 E 650th Ave, Watson, IL 62473
| Property Type | Single Family Home |
|---|---|
| Details | 960 sqft · built 1940 |
| Owner | Individual Name on Record |
| Last Sale | $54,000 (Jun 2010) |
| Tax Bill | $1,398 (2022) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-10-031-022 |
| Primary APN | 14-10-031-022 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 960 sqft Base Area |
| Basement Area | 960 sqft |
| Year Built | Built 1940 |
|---|---|
| Construction Type | Frame |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 12956 E 650TH AVE |
|---|---|
| City | WATSON |
| State | IL |
| Zip | 62473-2243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 265FT OF E 245FT SE NE 2626/335 1536/324 1371/226 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | WATSON |
| Census Block Group | 1 |
| Census Block | 1096 |
| 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 12956 E 650TH AVE, WATSON, IL 62473-2243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU |
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSROADS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2010 · Amount on Record |
| Deed Sale | Jun 3, 2010 · Amount on Record |
| Deed Document Number | 201001002604 |
| Deed Book / Page | 2626 / 335 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 12956 E 650TH AVE, WATSON, IL 62473-2243 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 003872/147 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 3872/147 |
| Instrument | 202323002589 |
| Name | LAND OF LINCOLN CU |
|---|---|
| Type | Credit Union |
| Address | EFFINGHAM, IL 62401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 10, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 12956 E 650TH AVE, WATSON, IL 62473-2243 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 3592/187 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 3592/187 |
| Instrument | 202020003999 |
| Name | CROSSROADS BANK |
|---|---|
| Type | Bank |
| Address | EFFINGHAM, IL 62401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2035 |
| Rate | 2.5% |
|---|
Source: Effingham County assessment roll, as of January 1, 2022
| Type | Name |
|---|---|
| State | Illinois |
| County | Effingham County |
| County Subdivision | Watson Township |
| Unified School District | Effingham Community Unit School District 40 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2022 | $1,398.00 Homeowner's exemption | $33,250 Land $2,930 Building $30,320 | $99,750 Land $8,790 Building $90,960 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | Direct burnable vegetation |
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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| GigFire Fixed Wireless | 150 / 130 |
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