613 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 613 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 2,041 sqft · built 1990
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Feb 2023)
Tax Bill	$10,502 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-044`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-044`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,041 sqft Base Area
1st Floor Area	2,041 sqft
Basement Area	2,041 sqft
Unfinished Basement	2,041 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	29,621 sqft (0.68 acres)
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	613 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 44 PARK HILLS SUB ADD 9 3838/182 3456/336 1353/219 897/116
Legal Subdivision	HILLS SUBDIVISION
Legal Lot Number	44
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	613 BENT TREE DR, EFFINGHAM, IL 62401-3157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Warranty Deed, Transfer · Conventional Mortgage DIETERICH BANK NA
Apr 8, 2019	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2023 · Amount on Record
Deed Sale	Feb 1, 2023 · Amount on Record
Prior Sale	Apr 8, 2019 · Amount on Record
Deed Document Number	2023349
Deed Book / Page	3838 / 182
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 1, 2023
Property Address	613 BENT TREE DR, EFFINGHAM, IL 62401-3157
Document Number	003838/182
Book / Page	3838 / 182
Map Reference	MB 845 PG 227
Instrument Date	Jan 30, 2023
Instrument	202323000349
Transaction Type	Transfer
Record Updated	Mar 23, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
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 by the Entirety
Address	613 BENT TREE DR, EFFINGHAM, IL 62401-3157

Mortgage

Document Number	202323000350
Date	Feb 1, 2023
Instrument	202323000350

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	Feb 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	9.88%
Index	1-Year T-Bill
Max Rate	9.88%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Apr 8, 2019
Property Address	613 BENT TREE DR, EFFINGHAM, IL 62401-3157
Document Number	3456/336
Book / Page	3456 / 336
Map Reference	MB 845 PG 227
Instrument Date	Apr 5, 2019
Instrument	201901901161
Transaction Type	Transfer
Record Updated	Aug 5, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	613 BENT TREE DR, EFFINGHAM, IL 62401-3157

Mortgage

Document Number	201900001162
Date	Apr 8, 2019
Instrument	201900001162

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2044

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	$10,502.00 (+12.74%)	$192,150 (+31.89%) Land $30,760 Building $161,390	$576,450 (+31.89%) Land $92,280 Building $484,170
2022	$9,315.00 Homeowner's exemption	$145,690 Land $23,320 Building $122,370	$437,070 Land $69,960 Building $367,110

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	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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