13048 E 650th Ave, Watson, IL 62473 Property Records

Effingham County property record for 13048 E 650th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	2,337 sqft · built 2021
Lot Size	5.42 acres (236,095 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,197 (2024)
Deeds & Mortgages	Jun 2021 Mortgage May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`14-10-032-031`

Property Details

APN / Parcel Number

Primary APN	`14-10-032-031`

Interior

Stories	1 Story
Building Area	2,337 sqft Base Area
1st Floor Area	2,337 sqft
Basement Area	2,337 sqft
Unfinished Basement	2,337 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Construction Type	Frame
Lot Area	236,095 sqft (5.42 acres)

Location & Zoning

Street Address	13048 E 650TH AVE
City	WATSON
State	IL
Zip	62473-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE SW & PT SW SW 3565/44 2540/178 706/135 468/190
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1096
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	13048 E 650TH AVE, WATSON, IL 62473-2242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK NA
May 19, 2020	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 15, 2020
Transfer Doc	0003565/44
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	13048 E 650TH AVE, WATSON, IL 62473-2242
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003696/114
Date	Jun 15, 2021
Book Page	3696/114
Instrument	202121003002

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank
Address	SESSER, IL 62884

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	May 19, 2020
Property Address	13048 E 650TH AVE, WATSON, IL 62473-2242
Document Number	0003565/44
Book / Page	3565 / 44
Instrument Date	May 15, 2020
Instrument	202020002419
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13316 E 650TH AVE, WATSON, IL 62473-2260

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13276 E 650TH AVE, WATSON, IL 62473-2268

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Watson 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	$4,197.00	$87,750 (+27.79%) Land $8,250 Building $79,500	$263,250 (+27.79%) Land $24,750 Building $238,500
2022	Homeowner's exemption	$68,670 Land $6,790 Building $61,880	$206,010 Land $20,370 Building $185,640

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 6 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: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E 650th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures