14791 E 500th Ave, Watson, IL 62473 Property Records

Effingham County property record for 14791 E 500th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1,407 sqft · built 2019
Lot Size	6.63 acres (289,238 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Dec 2019 Mortgage Jun 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-009-047`

Property Details

APN / Parcel Number

Primary APN	`13-09-009-047`

Interior

Stories	1 Story
Building Area	1,407 sqft Base Area
Basement Area	1,407 sqft

Exterior

Year Built	Built 2019
Construction Type	Frame
Lot Area	289,238 sqft (6.63 acres)
Garage Area	798 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	14791 E 500TH AVE
City	WATSON
State	IL
Zip	62473-2405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 381FT OF N 759FT OF N 25AC W 1/2 E 1/2 NE 2394/319
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
Co-owner	Co-owner on Record
Mailing Address	14791 E 500TH AVE, WATSON, IL 62473-2405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jun 27, 2019	Deed of Trust, Mortgage · Construction Mortgage DIETERICH BANK NA
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0002394319
Record Updated	Jun 7, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14791 E 500TH AVE, WATSON, IL 62473-2405
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3523/025
Date	Dec 27, 2019
Book Page	3523/025
Instrument	201901905361

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.62%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14791 E 500TH AVE, WATSON, IL 62473-2405
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3475/287
Date	Jun 27, 2019
Book Page	3475/287
Instrument	201901902371

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 21, 2020

Interest

Rate Type	Fixed Rate
Rate	2.99%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	14791 E 500TH AVE, WATSON, IL 62473-2405
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3616/82
Date	Sep 29, 2020
Book Page	3616/82
Instrument	202020005409

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.65%

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	Homeowner's exemption	$51,890 Land $8,000 Building $43,890	$155,670 Land $24,000 Building $131,670

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

May also be available: Frontier, Wisper ISP.

Cell Coverage

4G LTE only, no 5G reported

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