13055 E 650th Ave, Watson, IL 62473 Property Records

Effingham County property record for 13055 E 650th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,518 sqft · built 2010
Lot Size	7.13 acres (311,018 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Nov 2021)
Tax Bill	$1,688 (2022)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-09-005-037`

Property Details

APN / Parcel Number

Primary APN	`13-09-005-037`

Interior

Stories	1 Story
Building Area	1,518 sqft Base Area
Basement Area	1 sqft

Exterior

Year Built	Built 2010
Construction Type	Frame
Lot Area	311,018 sqft (7.13 acres)

Location & Zoning

Street Address	13055 E 650TH AVE
City	WATSON
State	IL
Zip	62473-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 375FT OF N 1/2 NW EXCEPT N 484FT ALSO EXCEPT S 16FT OF N 500FT OF W 158FT THEREOF 3741/342 2882/322 2705/101 2571/293 2540/
Jurisdiction	EFFINGHAM IL
Township / Civil Division	UNION
Census Block Group	1
Census Block	1116
Census Tract	950400

Owner

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	13055 E 650TH AVE, WATSON, IL 62473-2241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSROADS BANK
Aug 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 23, 2021 · Amount on Record
Deed Sale	Nov 23, 2021 · Amount on Record
Prior Sale	Feb 4, 2011 · Amount on Record
Deed Document Number	202121005778
Deed Book / Page	3741 / 342
Record Updated	Jun 7, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 23, 2021
Property Address	13055 E 650TH AVE, WATSON, IL 62473-2241
Document Number	003741/342
Book / Page	3741 / 342
Instrument Date	Nov 23, 2021
Instrument	202121005778
Transaction Type	Transfer
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13055 E 650TH AVE, WATSON, IL 62473-2241

Mortgage

Document Number	202121005779
Date	Nov 23, 2021
Instrument	202121005779

Lender

Name	CROSSROADS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	13055 E 650TH AVE, WATSON, IL 62473-2241
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3485/092
Date	Aug 2, 2019
Book Page	3485/092
Instrument	201901902970

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Union Township
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	$1,688.00 Homeowner's exemption	$37,350 Land $8,490 Building $28,860	$112,050 Land $25,470 Building $86,580

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.

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 4 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
KNR Wireless Fixed Wireless	100 / 10
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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