15282 E 650th Ave, Watson, IL 62473 Property Records

Effingham County property record for 15282 E 650th Ave, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	2,663 sqft · built 1963
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jan 2012)
Tax Bill	$1,715 (2022)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`14-10-034-028`

Property Details

APN / Parcel Number

Primary APN	`14-10-034-028`

Interior

Stories	1 Story
Building Area	2,663 sqft Base Area
Basement Area	2,663 sqft

Exterior

Year Built	Built 1963
Construction Type	Frame
Lot Area	50,094 sqft (1.15 acres)
Garage Area	1,397 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Location & Zoning

Street Address	15282 E 650TH AVE
City	WATSON
State	IL
Zip	62473-2329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 250FT OF W 280FT OF S 200FT SE NW 2796/41 2795/169 2795/166 1988/137 288/4
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	3
Census Block	3030
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	15282 E 650TH AVE, WATSON, IL 62473-2329
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Oct 25, 2021	Deed of Trust, Mortgage · Construction Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2012 · Amount on Record
Deed Sale	Jan 3, 2012 · Amount on Record
Deed Document Number	201201200030
Record Updated	Jun 7, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15282 E 650TH AVE, WATSON, IL 62473-2329
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003809/227
Date	Sep 7, 2022
Book Page	3809/227
Instrument	202222003692

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	15282 E 650TH AVE, WATSON, IL 62473-2329
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15282 E 650TH AVE, WATSON, IL 62473-2329

Mortgage

Document Number	3733/331
Date	Oct 25, 2021
Book Page	3733/331
Instrument	202121005270

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 15, 2022

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of January 1, 2022

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
2022	$1,715.00 Homeowner's exemption	$69,070 Land $2,590 Building $66,480	$207,210 Land $7,770 Building $199,440

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
Frontier DSL	115 / 7
KNR Wireless Fixed Wireless	100 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E 650th Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures