15132 E 500th Ave, Watson, IL 62473 Property Records

Effingham County property record for 15132 E 500th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	2,876 sqft · built 1999
Lot Size	7.71 acres (335,848 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Dec 2023)
Tax Bill	$4,842 (2022)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jun 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-003-024`

Property Details

APN / Parcel Number

Primary APN	`13-09-003-024`

Interior

Stories	1 Story
Building Area	2,876 sqft Base Area

Exterior

Year Built	Built 1999
Construction Type	Frame
Lot Area	335,848 sqft (7.71 acres)
Garage Area	2,000 sqft
Parking Spaces	7 Parking Spaces
Pole Barn	2,285 sqft

Location & Zoning

Street Address	15132 E 500TH AVE
City	WATSON
State	IL
Zip	62473-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 SW SW SW & S1/2 N1/2 SW SW SW 3283/144 2363/80 1114/273 458/246
Jurisdiction	EFFINGHAM IL
Township / Civil Division	UNION
Census Block Group	3
Census Block	3034
Census Tract	950500

Owner

Source: Effingham County records, as of December 28, 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	15132 E 500TH AVE, WATSON, IL 62473-2402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
Jun 14, 2019	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Mar 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on Record
Deed Sale	Dec 5, 2023 · Amount on Record
Prior Sale	Mar 6, 2017 · Amount on Record
Deed Document Number	202323003982
Record Updated	Jun 7, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 5, 2023
Property Address	15132 E 500TH AVE, WATSON, IL 62473-2402
Document Number	202323003982
Instrument Date	Dec 4, 2023
Instrument	202323003982
Transaction Type	Transfer
Record Updated	Dec 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$425.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15132 E 500TH AVE, WATSON, IL 62473-2402

Mortgage

Document Number	202323003983
Date	Dec 5, 2023
Instrument	202323003983

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15132 E 500TH AVE, WATSON, IL 62473-2402
Transaction Type	Mortgage
Record Updated	Aug 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3473/116
Date	Jun 14, 2019
Book Page	3473/116
Instrument	201901902201

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 6, 2017
Property Address	15132 E 500TH AVE, WATSON, IL 62473-2402
Document Number	3283/144
Book / Page	3283 / 144
Instrument Date	Mar 3, 2017
Instrument	201700001016
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$363.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	15132 E 500TH AVE, WATSON, IL 62473-2402

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	$4,842.00 Homeowner's exemption	$94,840 Land $9,040 Building $85,800	$284,520 Land $27,120 Building $257,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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	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: Wabash Communications.

Cell Coverage

5G and 4G LTE (outdoors only)

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