605 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 605 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,766 sqft · built 1990
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (May 2023)
Tax Bill	$8,815 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-048`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-048`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,766 sqft Base Area
1st Floor Area	1,766 sqft
Basement Area	1,766 sqft
Unfinished Basement	1,766 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	44,431 sqft (1.02 acres)
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	605 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 48 PARK HILLS SUB ADD 9 3858/242 2810/125 881/348
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	48
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1062
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	605 BENT TREE DR, EFFINGHAM, IL 62401-3157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 13, 2017	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2023 · Amount on Record
Deed Sale	May 17, 2023 · Amount on Record
Prior Sale	Feb 28, 2012 · Amount on Record
Deed Document Number	20231681
Deed Book / Page	3858 / 242
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 17, 2023
Property Address	605 BENT TREE DR, EFFINGHAM, IL 62401-3157
Document Number	003858/242
Book / Page	3858 / 242
Map Reference	MB 845 PG 227
Instrument Date	May 5, 2023
Instrument	202323001681
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
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 in Common
Address	605 BENT TREE DR, EFFINGHAM, IL 62401-3157

Mortgage

Document Number	202323001682
Date	May 17, 2023
Instrument	202323001682

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.37%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	605 BENT TREE DR, EFFINGHAM, IL 62401-3157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3271/262
Date	Jan 13, 2017
Book Page	3271/262
Instrument	201701700195

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Dec 30, 2026

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Change Frequency	Monthly

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	$8,815.00 (+13.07%)	$162,250 (+31.89%) Land $30,620 Building $131,630	$486,750 (+31.89%) Land $91,860 Building $394,890
2022	$7,796.00 Homeowner's exemption	$123,020 (+1%) Land $23,220 Building $99,800	$369,060 (+1%) Land $69,660 Building $299,400
2021		$121,800 Land $22,990 Building $98,810	$365,400 Land $68,970 Building $296,430
2018	$7,796.00

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 100 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	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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