13489 E State Hwy 37, Watson, IL 62473 Property Records

Effingham County property record for 13489 E State Hwy 37, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 912 sqft · built 1955
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,000 (Oct 2025)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Oct 2025 Sale Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-029-015`

Property Details

APN / Parcel Number

Primary APN	`14-10-029-015`
Alternative APN	`14-10-029-080`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	912 sqft Base Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	50,965 sqft (1.17 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	13489 E STATE HIGHWAY 37
City	WATSON
State	IL
Zip	62473-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1 NE NE SW AS RECORDED POS 25003114 25003614 3368/259 286/355
Legal Tract	1
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1077
Census Tract	950400

Owner

Source: Effingham County records, as of October 20, 2026

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	6701 CITRUS PARK BLVD, FORT PIERCE, FL 34951-1290
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Warranty Deed, Transfer
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Mar 7, 2018	Executor's Deed, Transfer · Commercial Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	Sep 2, 2025 · Amount on Record
Deed Document Number	20253614
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 6, 2025
Property Address	13489 E STATE HIGHWAY 37, WATSON, IL 62473-2201
Document Number	202525003614
Map Reference	DOC 202525003114
Instrument Date	Sep 26, 2025
Instrument	202525003614
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount Recorded
Tax	$53.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6701 CITRUS PARK BLVD, FORT PIERCE, FL 34951-1290

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	13489 E STATE HIGHWAY 37, WATSON, IL 62473-2201
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00003789/3
Date	Jun 7, 2022
Book Page	3789/3
Instrument	202222002356

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 7, 2018
Property Address	13489 E STATE HIGHWAY 37, WATSON, IL 62473-2201
Document Number	3368/259
Book / Page	3368 / 259
Instrument Date	Mar 3, 2018
Instrument	201801800761
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	301 SIERRA AVE, WATSON, IL 62473-1020

Mortgage

Document Number	201801800762
Date	Mar 7, 2018
Instrument	201801800762

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

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
2025	$1,540.00 (-11.7%)	$29,060 (-9.72%) Land $3,510 Building $25,550	$87,180 (-9.72%) Land $10,530 Building $76,650
2024	$1,744.00 (+25.65%)	$32,190 (+21.56%) Land $8,960 Building $23,230	$96,570 (+21.56%) Land $26,880 Building $69,690
2022	$1,388.00	$26,480 Land $7,370 Building $19,110	$79,440 Land $22,110 Building $57,330

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 15 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

Cell Coverage

5G (outdoors only) and 4G LTE

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