504 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 504 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 2,126 sqft · built 1990
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,245,000 (Nov 2025)
Tax Bill	$7,521 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Oct 2017 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-036`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-036`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,126 sqft Base Area
1st Floor Area	2,126 sqft
Basement Area	1,776 sqft
Unfinished Basement	1,776 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	504 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 36 PARK HILLS ADD 9 25003968 3304/237 1228/27 939/159
Legal Subdivision	PARK HILLS ADDITION
Legal Lot Number	36
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	713 BENT TREE DR, EFFINGHAM, IL 62401-3159
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON SAVINGS BANK
Oct 24, 2017	Deed of Trust, Mortgage · Construction Mortgage WASHINGTON SAVINGS BANK
May 28, 2020	Deed of Trust, Mortgage WASHINGTON SAVINGS BANK
Dec 18, 2019	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 2, 2017	Warranty Deed, Construction Loan · Construction Mortgage WASHINGTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Dec 18, 2019 · Amount on Record
Deed Document Number	20253968
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	504 BENT TREE DR, EFFINGHAM, IL 62401-3100
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003359/293
Date	Jan 10, 2018
Book Page	3359/293
Instrument	201801800146

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	504 BENT TREE DR, EFFINGHAM, IL 62401-3100
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003342/277
Date	Oct 24, 2017
Book Page	3342/277
Instrument	201701704977

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Feb 22, 2018

Interest

Rate	2.75%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	504 BENT TREE DR, EFFINGHAM, IL 62401-3100
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003568/102
Date	May 28, 2020
Book Page	3568/102
Instrument	202020002612

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Amount	Amount Recorded
Term	163 Months
Due	Dec 16, 2033

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Dec 18, 2019
Property Address	504 BENT TREE DR, EFFINGHAM, IL 62401-3100
Document Number	003520/257
Book / Page	3520 / 257
Instrument Date	Dec 16, 2019
Instrument	201901905195
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$708.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 BENT TREE DR, EFFINGHAM, IL 62401-3100

June 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 2, 2017
Property Address	504 BENT TREE DR, EFFINGHAM, IL 62401-3100
Document Number	003304/237
Book / Page	3304 / 237
Map Reference	PL 134-CMB845PG227
Instrument Date	May 31, 2017
Instrument	201701702407
Transaction Type	Construction Loan
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	504 BENT TREE DR, 504, EFFINGHAM, IL 62401-3100

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	504 BENT TREE DR, EFFINGHAM, IL 62401-3100

Mortgage

Document Number	201701702408
Date	Jun 2, 2017
Instrument	201701702408

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Mar 2, 2018

Interest

Rate	2.75%

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	$7,521.00 (+13.4%)	$139,320 (+31.89%) Land $22,690 Building $116,630	$417,960 (+31.89%) Land $68,070 Building $349,890
2022	$6,632.00 Homeowner's exemption	$105,630 Land $17,200 Building $88,430	$316,890 Land $51,600 Building $265,290

Assessed value is set for property tax purposes, not a market price estimate; it is 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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