21 Bent Tree Ln, Towanda, IL 61776 Property Records

McLean County property record for 21 Bent Tree Ln, Towanda, IL 61776

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,314 sqft · built 1986
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$233,333 (Nov 2023)
Tax Bill	$7,622 (2024)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-29-177-001`

Property Details

APN / Parcel Number

Primary APN	`08-29-177-001`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,314 sqft Living Area
1st Floor Area	1,314 sqft
2nd Floor Area	1,314 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Detached
Garage Area	723 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	21 BENT TREE LN
City	TOWANDA
State	IL
Zip	61776-7511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST ADD TO INDIAN CREEK LOT 62
Legal Range	03E
Legal Township	25N
Legal Section	29
Legal Subdivision	INDIAN CREEK
Legal Lot Number	62
Jurisdiction	MCLEAN IL
Township / Civil Division	MONEY CREEK
Census Block Group	4
Census Block	4042
Census Tract	5102

Owner

21 Bent Tree Ln is owned and occupied by two individuals who bought it in November 2023.

Source: McLean County records, as of April 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	21 BENT TREE LN, TOWANDA, IL 61776-7511
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 2, 2023	Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Aug 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage MORTON COMMUNITY BANK
Jan 6, 2023	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on File
Deed Sale	Nov 2, 2023 · Amount on File
Deed Document Number	202315086
Prior Transfer Date	Dec 27, 2022
Prior Transfer Doc	0000000160
Record Updated	Jun 8, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 2, 2023
Property Address	21 BENT TREE LN, TOWANDA, IL 61776-7511
Document Number	202300015086
Map Reference	DOC 79-729
Instrument Date	Oct 20, 2023
Instrument	2023-00015086
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
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	21 BENT TREE LN, TOWANDA, IL 61776-7511

Mortgage

Document Number	202300015087
Date	Nov 2, 2023
Instrument	2023-00015087

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	7.62%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	21 BENT TREE LN, TOWANDA, IL 61776-7511
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 BENT TREE LN, TOWANDA, IL 61776-7511

Mortgage

Document Number	202300011465
Date	Aug 29, 2023
Instrument	2023-00011465

Lender

Name	MORTON COMMUNITY BANK
Type	Bank
Address	MORTON, IL 61550

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 7, 2024

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCLEAN IL
Recording Date	Jan 6, 2023
Property Address	21 BENT TREE LN, TOWANDA, IL 61776-7511
Document Number	202300000160
Map Reference	DOC 79-729
Instrument Date	Dec 27, 2022
Instrument	2023-00000160
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

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
Address	21 BENT TREE LN, TOWANDA, IL 61776-7511

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Money Creek Township
Unified School District	McLean County Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$114,475 Land $19,798 Building $94,677	$343,425 Land $59,394 Building $284,031
2024	$7,622.00 (+7.52%)
2023	$7,089.00 (+6.39%)	$95,368 (+9.51%) Land $16,493 Building $78,875	$286,104 (+9.51%) Land $49,479 Building $236,625
2022	$6,663.00	$87,086 Land $15,061 Building $72,025	$261,258 Land $45,183 Building $216,075

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

FEMA maps place 21 Bent Tree Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 21 Bent Tree Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	INDIAN CREEK HOMEOWNERS AND WATER ASSN. private · serves 210 people · EPA ID IL1135250
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	9 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: Rise Broadband, T-Mobile, Verizon.

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