603 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 603 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 3.5 ba · 2,355 sqft · built 1996
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jul 2013)
Tax Bill	$9,465 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-049`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-049`

Interior

Bedrooms	1 Bed
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,355 sqft Base Area
1st Floor Area	2,355 sqft
Basement Area	2,355 sqft
Unfinished Basement	2,355 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Construction Type	Frame
Roof Material	Asphalt
Lot Area	35,719 sqft (0.82 acres)
Garage Area	680 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	603 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 49 BLK 5 PARK HILLS SUB ADD 9 2968/230 2546/199 1145/66
Legal Subdivision	HILLS SUBDIVISION
Legal Block	5
Legal Lot Number	49
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1062
Census Tract	950600

Owner

603 Bent Tree Dr is owned and occupied by two individuals who bought it in July 2013.

Source: Effingham County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	603 BENT TREE DR, EFFINGHAM, IL 62401-3157
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Jul 15, 2020	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
May 17, 2019	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA
Dec 28, 2018	Deed of Trust, Mortgage · Line of Credit DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2013 · Amount on File
Deed Sale	Jul 23, 2013 · Amount on File
Deed Document Number	20131303720
Deed Book / Page	2968 / 230
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	603 BENT TREE DR, EFFINGHAM, IL 62401-3157
Transaction Type	Mortgage
Record Updated	May 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3676/346
Date	Apr 16, 2021
Book Page	3676/346
Instrument	202121001830

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	603 BENT TREE DR, EFFINGHAM, IL 62401-3157
Transaction Type	Mortgage
Record Updated	Oct 2, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3589/175
Date	Jul 15, 2020
Book Page	3589/175
Instrument	202020003818

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 18, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	603 BENT TREE DR, EFFINGHAM, IL 62401-3157
Transaction Type	Mortgage
Record Updated	Jul 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3573/232
Date	Jun 8, 2020
Book Page	3573/232
Instrument	202020002918

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2040

Interest

Rate Type	Fixed Rate
Rate	2.87%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	603 BENT TREE DR, EFFINGHAM, IL 62401-3157
Transaction Type	Mortgage
Record Updated	Jun 20, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3465/340
Date	May 17, 2019
Book Page	3465/340
Instrument	201901901745

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 18, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	603 BENT TREE DR, EFFINGHAM, IL 62401-3157
Transaction Type	Mortgage
Record Updated	Jan 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3438/085
Date	Dec 28, 2018
Book Page	3438/085
Instrument	201801805421

Lender

Name	DIETERICH BANK NA
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Jan 18, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 603 Bent Tree Dr was $9,465 with a homeowner's exemption.

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	$9,465.00	$173,780 Land $25,060 Building $148,720	$521,340 Land $75,180 Building $446,160
2022	$7,546.00 Homeowner's exemption	$122,460 Land $19,000 Building $103,460	$367,380 Land $57,000 Building $310,380

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 603 Bent Tree Dr 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 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

Wildfire risk around 603 Bent Tree Dr 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 98% of the US · lower than 86% 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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