508 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 508 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,671 sqft · built 1994
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Mar 2019)
Tax Bill	$9,478 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Mar 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-038`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-038`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,671 sqft Base Area
1st Floor Area	1,671 sqft
Basement Area	1,586 sqft
Unfinished Basement	1,586 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Garage Area	208 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	508 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 BLK 4 PARK HILLS ADD 9 3452/336 3299/270 3277/277 3199/181 1082/91
Legal Subdivision	PARK HILLS ADDITION
Legal Block	4
Legal Lot Number	38
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	508 BENT TREE DR, EFFINGHAM, IL 62401-3100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WASHINGTON SAVINGS BANK
Mar 19, 2019	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON SAVINGS BANK
May 12, 2017	Deed, Transfer · Conventional Mortgage ILLINOIS NATIONAL BANK
Feb 8, 2017	Intrafamily Transfer, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2019 · Amount on Record
Deed Sale	Mar 19, 2019 · Amount on Record
Prior Sale	May 12, 2017 · Amount on Record
Deed Document Number	20191900917
Deed Book / Page	3452 / 336
Prior Transfer Date	Jan 27, 2017
Prior Transfer Doc	3277/277
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	508 BENT TREE DR, EFFINGHAM, IL 62401-3100
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003781/340
Date	May 9, 2022
Book Page	3781/340
Instrument	202222001925

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	161 Months
Due	Oct 26, 2035

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Mar 19, 2019
Property Address	508 BENT TREE DR, EFFINGHAM, IL 62401-3100
Document Number	3452/336
Book / Page	3452 / 336
Map Reference	MB 845 PG 227
Instrument Date	Mar 13, 2019
Instrument	201901900917
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	THE TITLE CENTER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	508 BENT TREE DR, EFFINGHAM, IL 62401-3100

Mortgage

Document Number	201901900918
Date	Mar 19, 2019
Instrument	201901900918

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

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

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 12, 2017
Property Address	508 BENT TREE DR, EFFINGHAM, IL 62401-3100
Document Number	3299/270
Book / Page	3299 / 270
Map Reference	PL134-C MB 845 PG227
Instrument Date	May 11, 2017
Instrument	201701702105
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	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 BENT TREE DR, EFFINGHAM, IL 62401-3100

Mortgage

Document Number	201701702106
Date	May 12, 2017
Instrument	201701702106

Lender

Name	ILLINOIS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 8, 2017
Property Address	508 BENT TREE DR, EFFINGHAM, IL 62401-3100
Document Number	3277/277
Book / Page	3277 / 277
Map Reference	MB 845 PG 227
Instrument Date	Jan 27, 2017
Instrument	201701700616
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17141 N OAK BLUFF DR, EFFINGHAM, IL 62401-5378
Investor	Possibly a Property Investor

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	$9,478.00 (-7.8%) Homeowner's exemption	$174,000 (+1%) Land $34,200 Building $139,800	$522,000 (+1%) Land $102,600 Building $419,400
2024	$10,280.00 (+101.73%)	$158,180 (+91.32%) Land $31,090 Building $127,090	$474,540 (+91.32%) Land $93,270 Building $381,270
2022	$5,096.00 Homeowner's exemption	$82,680 Land $25,930 Building $56,750	$248,040 Land $77,790 Building $170,250

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
Nearest Special Flood Hazard Area	Zone AE, 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

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	Direct burnable vegetation

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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