13645 E 500th Ave, Watson, IL 62473 Property Records

Effingham County property record for 13645 E 500th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,879 sqft · built 2021
Lot Size	2.75 acres (119,790 sqft)
Owner	Individual Name on Record
Last Sale	$28,000 (May 2021)
Deeds & Mortgages	Apr 2022 Mortgage May 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`13-09-008-035`

Property Details

APN / Parcel Number

Primary APN	`13-09-008-035`

Interior

Stories	1 Story
Building Area	1,879 sqft Base Area
Basement Area	1,879 sqft

Exterior

Year Built	Built 2021
Construction Type	Frame
Lot Area	119,790 sqft (2.75 acres)
Garage Area	1,245 sqft
Parking Spaces	5 Parking Spaces
Pole Barn	616 sqft

Location & Zoning

Street Address	13645 E 500TH AVE
City	WATSON
State	IL
Zip	62473-2223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 300FT OF W 906.39FT OF N 400FT NW NE 3686/160 3094/250 3075/303 892/65 280/58
Jurisdiction	EFFINGHAM IL
Township / Civil Division	UNION
Census Block Group	2
Census Block	2000
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
Co-owner	Co-owner on Record
Mailing Address	13645 E 500TH AVE, WATSON, IL 62473-2223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
May 14, 2021	Warranty Deed, Construction Loan · Construction Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Deed Document Number	202121002408
Deed Book / Page	3686 / 160
Record Updated	Jun 7, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	13645 E 500TH AVE, WATSON, IL 62473-2223
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003773/42
Date	Apr 1, 2022
Book Page	3773/42
Instrument	202222001375

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Apr 1, 2052
Index	Other

May 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 14, 2021
Property Address	13645 E 500TH AVE, WATSON, IL 62473-2223
Document Number	003686/160
Book / Page	3686 / 160
Instrument Date	May 5, 2021
Instrument	202121002408
Transaction Type	Construction Loan
Record Updated	Mar 7, 2023
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Tax	$42.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13593 E 500TH AVE, WATSON, IL 62473-2224

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	13645 E 500TH AVE, WATSON, IL 62473-2223

Mortgage

Document Number	202121002409
Date	May 14, 2021
Instrument	202121002409

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 5, 2022

Interest

Rate Type	Fixed Rate
Rate	2.99%

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	Assessed Value	Assessed Market Value
2022	$58,520 Land $4,170 Building $54,350	$175,560 Land $12,510 Building $163,050

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Wisper ISP Fixed Wireless	100 / 20
KNR Wireless Fixed Wireless	100 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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