Effingham County property record for 509 Bent Tree Dr, Effingham, IL 62401
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2.5 ba · 1,477 sqft · built 1994 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,389 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-11-215-054 |
| Primary APN | 03-11-215-054 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,477 sqft Base Area |
| 1st Floor Area | 1,477 sqft |
| Basement Area | 1,477 sqft |
| Unfinished Basement | 1,477 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Construction Type | Frame |
| Lot Area | 13,504 sqft (0.31 acres) |
| Street Address | 509 BENT TREE DR |
|---|---|
| City | EFFINGHAM |
| State | IL |
| Zip | 62401-3156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 54 BLK 5 PARK HILLS SUD ADD 9 1073/108 |
| Legal Subdivision | PARK HILLS SUD ADD |
| Legal Block | 5 |
| Legal Lot Number | 54 |
| Jurisdiction | EFFINGHAM IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1062 |
| Census Tract | 950600 |
Source: Effingham County records, as of October 5, 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 Record |
|---|---|
| Mailing Address | 509 BENT TREE DR, EFFINGHAM, IL 62401-3156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | EFFINGHAM IL |
| Property Address | 509 BENT TREE DR, EFFINGHAM, IL 62401-3156 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 509 BENT TREE DR, EFFINGHAM, IL 62401-3156 |
| Document Number | 003791/309 |
|---|---|
| Date | Jun 16, 2022 |
| Book Page | 3791/309 |
| Instrument | 202222002519 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Apr 25, 2052 |
Source: Effingham County assessment roll, as of October 5, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,389.00 (-19.45%) | $140,480 (+31.88%) Land $24,350 Building $116,130 | $421,440 (+31.88%) Land $73,050 Building $348,390 |
| 2022 | $6,690.00 Homeowner's exemption | $106,520 Land $18,470 Building $88,050 | $319,560 Land $55,410 Building $264,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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