15154 E 500th Ave, Watson, IL 62473 Property Records

Effingham County property record for 15154 E 500th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,006 sqft · built 1973
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Oct 2017)
Tax Bill	$3,278 (2024)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13-09-003-026`

Property Details

APN / Parcel Number

Primary APN	`13-09-003-026`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	2,006 sqft Base Area
1st Floor Area	2,006 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	15154 E 500TH AVE
City	WATSON
State	IL
Zip	62473-2402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W 375FT OF S 670.16FT E 1/2 SW SW 3340/139 1176/228 733/290 733/289
Jurisdiction	EFFINGHAM IL
Township / Civil Division	UNION
Census Block Group	3
Census Block	3034
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	15154 E 500TH AVE, WATSON, IL 62473-2402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Apr 5, 2018	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Oct 13, 2017	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2017 · Amount on Record
Deed Sale	Oct 13, 2017 · Amount on Record
Deed Document Number	20171704830
Deed Book / Page	3340 / 139
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15154 E 500TH AVE, WATSON, IL 62473-2402
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15154 E 500TH AVE, WATSON, IL 62473-2402

Mortgage

Document Number	0003812/43
Date	Sep 16, 2022
Book Page	3812/43
Instrument	202222003835

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15154 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	3374/258
Date	Apr 5, 2018
Book Page	3374/258
Instrument	201801801178

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 13, 2017
Property Address	15154 E 500TH AVE, WATSON, IL 62473-2402
Document Number	3340/139
Book / Page	3340 / 139
Instrument Date	Oct 13, 2017
Instrument	201701704830
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15154 E 500TH AVE, WATSON, IL 62473-2402

Mortgage

Document Number	201701704831
Date	Oct 13, 2017
Instrument	201701704831

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$3,278.00 (+31.86%)	$63,080 (+21.56%) Land $7,770 Building $55,310	$189,240 (+21.56%) Land $23,310 Building $165,930
2022	$2,486.00 Homeowner's exemption	$51,890 Land $6,390 Building $45,500	$155,670 Land $19,170 Building $136,500

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
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 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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