204 Siesta Pl, Watson, IL 62473 Property Records

Effingham County property record for 204 Siesta Pl, Watson, IL 62473

Property Summary

Property Type	Single Family Home
Details	1 bd · 860 sqft · built 1978
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$99,000 (Nov 2018)
Tax Bill	$1,350 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-21-012-019`

Property Details

APN / Parcel Number

Primary APN	`14-21-012-019`

Interior

Bedrooms	1 Bed
Building Area	860 sqft Base Area
1st Floor Area	860 sqft
Basement Area	860 sqft
Unfinished Basement	860 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Area	460 sqft

Location & Zoning

Street Address	204 SIESTA PL
City	WATSON
State	IL
Zip	62473-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 48 CHAPARRAL SUB ADD C 1745/36 862/136
Legal Subdivision	CHAPARRAL SUBDIVISION
Legal Lot Number	48
Jurisdiction	EFFINGHAM IL
Township / Civil Division	WATSON
Census Block Group	1
Census Block	1064
Census Tract	950400

Owner

Source: Effingham County records, as of October 5, 2026

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	204 SIESTA PL, WATSON, IL 62473-1008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WATERLOO
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Nov 30, 2018	Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2018 · Amount on Record
Deed Sale	Nov 30, 2018 · Amount on Record
Prior Sale	Apr 8, 2002 · Amount on Record
Deed Document Number	20181804979
Deed Book / Page	3432 / 48
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	204 SIESTA PL, WATSON, IL 62473-1008
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202323003980
Date	Dec 5, 2023
Instrument	202323003980

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	204 SIESTA PL, WATSON, IL 62473-1008
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	PROPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3677/144
Date	Apr 16, 2021
Book Page	3677/144
Instrument	202121001850

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2031

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 30, 2018
Property Address	204 SIESTA PL, WATSON, IL 62473-1008
Document Number	3432/048
Book / Page	3432 / 048
Map Reference	MB 11 PG 284
Instrument Date	Nov 30, 2018
Instrument	201801804979
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	$148.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 SIESTA PL, WATSON, IL 62473-1008

Mortgage

Document Number	201801804980
Date	Nov 30, 2018
Instrument	201801804980

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	Watson Township
Municipality	Watson Village
Unified School District	Effingham Community Unit School District 40 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,350.00 (-19.79%)	$48,400 (+33.7%) Land $7,060 Building $41,340	$145,200 (+33.7%) Land $21,180 Building $124,020
2022	$1,683.00 Homeowner's exemption Senior Citizen's exemption	$36,200 Land $5,280 Building $30,920	$108,600 Land $15,840 Building $92,760

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-WATSON serves 754 people · EPA ID IL0490500
Water Source	Purchased surface water from EJ WATER COOPERATIVE
Last State Inspection	Mar 2026
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Nov 2021
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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