14245 E 650th Ave, Watson, IL 62473 Property Records

Effingham County property record for 14245 E 650th Ave, Watson, IL 62473

Property Summary

Property Type	Rural Home
Details	2,689 sqft · built 2014
Lot Size	3.75 acres (163,350 sqft)
Owner	Individual Name on Record
Tax Bill	$4,059 (2022)
Deeds & Mortgages	Apr 2020 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-10-033-049`

Property Details

APN / Parcel Number

Primary APN	`14-10-033-049`

Interior

Stories	1 Story
Building Area	2,689 sqft Base Area
Basement Area	2,689 sqft

Exterior

Year Built	Built 2014
Construction Type	Frame
Lot Area	163,350 sqft (3.75 acres)
Garage Area	1,000 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	14245 E 650TH AVE
City	WATSON
State	IL
Zip	62473-2356
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	E 247.5FT OF N 660FT NW SW 2935/28 2203/236 486/5
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	3
Census Block	3031
Census Tract	950500

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	14245 E 650TH AVE, WATSON, IL 62473-2356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Nov 7, 2018	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000293528
Record Updated	Jun 7, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14245 E 650TH AVE, WATSON, IL 62473-2356
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3551/328
Date	Apr 20, 2020
Book Page	3551/328
Instrument	202020001689

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate
Rate	2.75%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14245 E 650TH AVE, WATSON, IL 62473-2356
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3426/304
Date	Nov 7, 2018
Book Page	3426/304
Instrument	201801804656

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 18, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

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
2022	$4,059.00 Homeowner's exemption	$84,270 Land $3,240 Building $81,030	$252,810 Land $9,720 Building $243,090

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 9 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
Frontier DSL	10 / 1

May also be available: Wisper ISP.

Cell Coverage

4G LTE only, no 5G reported

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