502 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 502 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,472 sqft · built 1997
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Mar 2018)
Tax Bill	$8,823 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-035`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-035`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,472 sqft Base Area
1st Floor Area	1,472 sqft
Basement Area	1,262 sqft
Unfinished Basement	1,262 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	13,504 sqft (0.31 acres)
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	502 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 BLK 4 PARK HILLS SUB ADD 9 3373/112 3051/303 1681/116 1569/180 1267/39 1222/45
Legal Subdivision	HILLS SUBDIVISION
Legal Block	4
Legal Lot Number	35
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1065
Census Tract	950600

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	2 Individual Names on Record
Mailing Address	502 BENT TREE DR, EFFINGHAM, IL 62401-3100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
May 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK
Mar 29, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2018 · Amount on Record
Deed Sale	Mar 29, 2018 · Amount on Record
Prior Sale	Jul 25, 2014 · Amount on Record
Deed Document Number	20181801072
Deed Book / Page	3373 / 112
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	502 BENT TREE DR, EFFINGHAM, IL 62401-3100
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 BENT TREE DR, EFFINGHAM, IL 62401-3100

Mortgage

Document Number	3713/339
Date	Aug 9, 2021
Book Page	3713/339
Instrument	202121004044

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 30, 2031

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	502 BENT TREE DR, EFFINGHAM, IL 62401-3100
Transaction Type	Mortgage
Record Updated	Mar 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3537/87
Date	Feb 26, 2020
Book Page	3537/87
Instrument	202020000860

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	502 BENT TREE DR, EFFINGHAM, IL 62401-3100
Transaction Type	Mortgage
Record Updated	Jun 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3469/129
Date	May 31, 2019
Book Page	3469/129
Instrument	201901901958

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4%

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 29, 2018
Property Address	502 BENT TREE DR, EFFINGHAM, IL 62401-3100
Document Number	3373/112
Book / Page	3373 / 112
Map Reference	MB 845 PG 227
Instrument Date	Mar 28, 2018
Instrument	201801801072
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	$472.50
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	502 BENT TREE DR, EFFINGHAM, IL 62401-3100

Mortgage

Document Number	201801801073
Date	Mar 29, 2018
Instrument	201801801073

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,823.00 (+13.07%)	$162,400 (+31.9%) Land $24,710 Building $137,690	$487,200 (+31.9%) Land $74,130 Building $413,070
2022	$7,803.00 Homeowner's exemption	$123,120 Land $18,730 Building $104,390	$369,360 Land $56,190 Building $313,170

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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

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	EFFINGHAM serves 12,252 people · EPA ID IL0490250
Water Source	Surface water
Last State Inspection	Aug 2025
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Fidium Fiber DSL	500 / 75
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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