15014 E 650th Ave, Watson, IL 62473 Property Records

Effingham County property record for 15014 E 650th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,560 sqft · built 1977
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$517,500 (Nov 2023)
Tax Bill	$2,482 (2024)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-10-034-021`

Property Details

APN / Parcel Number

Primary APN	`14-10-034-021`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,560 sqft Base Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Lot Area	43,560 sqft (1 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	15014 E 650TH AVE
City	WATSON
State	IL
Zip	62473-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1AC SW CORNER SW NW 23003655 3297/39 2510/110 2014/73 1041/178 936/184
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	3
Census Block	3030
Census Tract	950500

Owner

Source: Effingham County records, as of September 9, 2025

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	15014 E 650TH AVE, WATSON, IL 62473-2330
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Warranty Deed, Transfer · Conventional Mortgage LAND OF LINCOLN CU
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 4, 2017	Intrafamily Transfer, Transfer · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2023 · Amount on Record
Deed Sale	Nov 8, 2023 · Amount on Record
Prior Sale	May 4, 2017
Deed Document Number	20233655
Prior Transfer Date	Apr 21, 2017
Prior Transfer Doc	3297/039
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 8, 2023
Property Address	15014 E 650TH AVE, WATSON, IL 62473-2330
Document Number	202323003655
Instrument Date	Oct 26, 2023
Instrument	202323003655
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15014 E 650TH AVE, WATSON, IL 62473-2330

Mortgage

Document Number	202323003656
Date	Nov 8, 2023
Instrument	202323003656

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.37%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15014 E 650TH AVE, WATSON, IL 62473-2330
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15014 E 650TH AVE, WATSON, IL 62473-2330

Mortgage

Document Number	003850/277
Date	Apr 17, 2023
Book Page	3850/277
Instrument	202323001190

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	May 4, 2017
Property Address	15014 E 650TH AVE, WATSON, IL 62473-2330
Document Number	3297/039
Book / Page	3297 / 039
Instrument Date	Apr 21, 2017
Instrument	201701701935
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	TITLE SOURCE INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15014 E 650TH AVE, WATSON, IL 62473-2330

Mortgage

Document Number	201701701936
Date	May 4, 2017
Instrument	201701701936

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of September 9, 2025

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
2024	$2,482.00 (+31.32%)	$51,810 (+21.56%) Land $2,990 Building $48,820	$155,430 (+21.56%) Land $8,970 Building $146,460
2022	$1,890.00 Homeowner's exemption	$42,620 Land $2,460 Building $40,160	$127,860 Land $7,380 Building $120,480

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
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 5 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

5G (outdoors only) and 4G LTE

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