13314 E 500th Ave, Watson, IL 62473 Property Records

Effingham County property record for 13314 E 500th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,631 sqft · built 1986
Lot Size	8.77 acres (382,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Jul 2004)
Tax Bill	$4,806 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-09-008-027`

Property Details

APN / Parcel Number

Primary APN	`13-09-008-027`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,631 sqft Base Area
1st Floor Area	1,631 sqft
Basement Area	1,631 sqft
Unfinished Basement	1,631 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Masonry / Concrete Block
Lot Area	382,021 sqft (8.77 acres)

Location & Zoning

Street Address	13314 E 500TH AVE
City	WATSON
State	IL
Zip	62473-2226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W 524FT OF N 875FT NE NW 2547/321 2050/130
Jurisdiction	EFFINGHAM IL
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
Census Tract	950400

Owner

Source: Effingham County records, as of November 5, 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	13314 E 500TH AVE, WATSON, IL 62473-2226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Jul 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2004 · Amount on Record
Deed Sale	Jul 19, 2004 · Amount on Record
Deed Document Number	2004404491
Last Transfer Date	Jul 24, 2009
Transfer Doc	2547/321
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	13314 E 500TH AVE, WATSON, IL 62473-2226
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202525003812
Date	Oct 23, 2025
Instrument	202525003812

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	300 SUR WOODS DR, EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Term	121 Months
Due	Nov 23, 2035

Interest

Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	13314 E 500TH AVE, WATSON, IL 62473-2226
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003867/257
Date	Jul 7, 2023
Book Page	3867/257
Instrument	202323002242

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 29, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Type Change Date	Jun 29, 2030
Change Frequency	Annually
Min Rate At Change	4.1%
Max Rate At Change	8.1%
Index	1-Year T-Bill
Max Rate	11.1%

Tax Assessment & Valuation

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

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
2024	$4,806.00 (+30.35%)	$89,680 (+21.55%) Land $12,290 Building $77,390	$269,040 (+21.55%) Land $36,870 Building $232,170
2022	$3,687.00 Homeowner's exemption	$73,780 Land $10,110 Building $63,670	$221,340 Land $30,330 Building $191,010

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 5 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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