14547 E 500th Ave, Watson, IL 62473 Property Records

Effingham County property record for 14547 E 500th Ave, Watson, IL 62473

Property Summary

Property Type	Rural Home
Details	1 bd · 1,960 sqft · built 2018
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,000 (Mar 2016)
Tax Bill	$5,892 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-009-046`

Property Details

APN / Parcel Number

Primary APN	`13-09-009-046`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,960 sqft Base Area
1st Floor Area	1,960 sqft
Basement Area	1,960 sqft
Unfinished Basement	1,960 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Construction Type	Frame
Lot Area	1,742,400 sqft (40 acres)
Garage Area	862 sqft
Parking Spaces	3 Parking Spaces
Pole Barn	768 sqft

Location & Zoning

Street Address	14547 E 500TH AVE
City	WATSON
State	IL
Zip	62473-2407
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	NW NE 3188/302 3067/7 2941/181 2754/50 1893/192 1594/323 1102/266 967/115 861/347
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 18, 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	14547 E 500TH AVE, WATSON, IL 62473-2407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSROADS BANK
Apr 1, 2024	Deed of Trust, Mortgage · Commercial Mortgage CROSSROADS BANK
Jan 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Nov 28, 2018	Deed of Trust, Mortgage · Construction Mortgage WASHINGTON SAVINGS BANK
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2016 · Amount on Record
Deed Sale	Mar 8, 2016 · Amount on Record
Prior Sale	Sep 26, 2014
Deed Document Number	20161601021
Deed Book / Page	3188 / 302
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 4, 2026
Property Address	14547 E 500TH AVE, WATSON, IL 62473-2407
Document Number	0000002924
Instrument Date	Jul 27, 2026
Instrument	20262924
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14547 E 500TH AVE, WATSON, IL 62473-2407
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002924,
Date	Aug 4, 2026
Instrument	20262924

Lender

Name	CROSSROADS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 27, 2031

Interest

Rate	6.49%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14547 E 500TH AVE, WATSON, IL 62473-2407
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	202424000970
Date	Apr 1, 2024
Instrument	202424000970

Lender

Name	CROSSROADS BANK
Type	Bank
Address	806 N KELLER DR, EFFINGHAM, IL 62401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Mar 27, 2029

Interest

Rate	7.75%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14547 E 500TH AVE, WATSON, IL 62473-2407
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3528/094
Date	Jan 17, 2020
Book Page	3528/094
Instrument	202020000277

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate	3.62%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14547 E 500TH AVE, WATSON, IL 62473-2407
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3431/219
Date	Nov 28, 2018
Book Page	3431/219
Instrument	201801804943

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Aug 28, 2019

Interest

Rate	3.25%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14547 E 500TH AVE, WATSON, IL 62473-2407
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14547 E 500TH AVE, WATSON, IL 62473-2407

Mortgage

Document Number	3624/288
Date	Oct 28, 2020
Book Page	3624/288
Instrument	202020005954

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate	2.75%

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	$5,892.00 (+516.32%)	$108,600 (+22.49%) Land $11,870 Building $96,730	$325,800 (+22.49%) Land $35,610 Building $290,190
2022	$956.00 Homeowner's exemption	$88,660 Land $9,080 Building $79,580	$265,980 Land $27,240 Building $238,740

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	Indirect within ember reach

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

May also be available: Frontier, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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