14530 E 400th Ave, Watson, IL 62473 Property Records

Effingham County property record for 14530 E 400th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	880 sqft · built 1968
Lot Size	1.77 acres (77,101 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Dec 2022)
Tax Bill	$1,084 (2022)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-09-009-024`

Property Details

APN / Parcel Number

Primary APN	`13-09-009-024`

Interior

Stories	1 Story
Building Area	880 sqft Base Area

Exterior

Year Built	Built 1968
Construction Type	Frame
Lot Area	77,101 sqft (1.77 acres)
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	14530 E 400TH AVE
City	WATSON
State	IL
Zip	62473-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 240FT OF W 322FT SW SE 3832/157 3763/70 1259/344 589/275 547/342 530/291
Jurisdiction	EFFINGHAM IL
Township / Civil Division	UNION
Census Block Group	3
Census Block	3041
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
Mailing Address	14530 E 400TH AVE, WATSON, IL 62473-2414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Limited Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA
Feb 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage THE LUKA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Feb 22, 2022 · Amount on Record
Deed Document Number	202222005160
Deed Book / Page	3832 / 157
Record Updated	Jun 7, 2026

December 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 28, 2022
Property Address	14530 E 400TH AVE, WATSON, IL 62473-2414
Document Number	003832/157
Book / Page	3832 / 157
Instrument Date	Dec 20, 2022
Instrument	202222005160
Transaction Type	Transfer
Record Updated	Jan 23, 2023
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	14530 E 400TH AVE, WATSON, IL 62473-2414

Mortgage

Document Number	202222005161
Date	Dec 28, 2022
Instrument	202222005161

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 20, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.98%
Type Change Date	Dec 20, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.98%
Index	1-Year T-Bill
Max Rate	9.98%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 22, 2022
Property Address	14530 E 400TH AVE, WATSON, IL 62473-2414
Document Number	0003763/70
Book / Page	3763 / 70
Instrument Date	Feb 11, 2022
Instrument	202222000758
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7248 E 45 HWY 40, 40, ALTAMONT, IL 62411

Mortgage

Document Number	202222000759
Date	Feb 22, 2022
Instrument	202222000759

Lender

Name	THE LUKA STATE BANK
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$1,084.00	$6,760 Land $3,240 Building $3,520	$20,280 Land $9,720 Building $10,560

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 7 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: Frontier, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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