701 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 701 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 3,729 sqft · built 1997
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Company Names on Record
Last Sale	$2,352,000 (Jun 2026)
Tax Bill	$14,220 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-042`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-042`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,729 sqft Base Area
1st Floor Area	3,729 sqft
Basement Area	3,729 sqft
Unfinished Basement	3,729 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Construction Type	Frame
Lot Area	33,977 sqft (0.78 acres)
Garage Area	897 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	701 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 42 BLK 5 PARK HILLS SUB ADD 9 1451/30 1256/194 995/44
Legal Subdivision	HILLS SUBDIVISION
Legal Block	5
Legal Lot Number	42
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK FSB
Jun 19, 2026	Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2026 · Amount on Record
Deed Sale	Jun 19, 2026 · Amount on Record
Deed Document Number	20262232
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 3, 2026
Property Address	701 BENT TREE DR, EFFINGHAM, IL 62401-3159
Document Number	0000003400
Instrument Date	Aug 26, 2026
Instrument	20263400
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	701 BENT TREE DR, EFFINGHAM, IL 62401-3159

Mortgage

Document Number	0000003400,
Date	Sep 3, 2026
Instrument	20263400

Lender

Name	WASHINGTON SAVINGS BANK FSB

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2041

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 19, 2026
Property Address	701 BENT TREE DR, EFFINGHAM, IL 62401-3159
Document Number	0000002232
Instrument Date	Jun 15, 2026
Instrument	20262232
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118,776.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	15792 E 7 OAKS CIR, EFFINGHAM, IL 62401-7174

Mortgage

Document Number	0000002233,
Date	Jun 19, 2026
Instrument	20262233

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

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	$14,220.00 (-7.74%) Homeowner's exemption Senior Citizen's exemption	$263,060 (+1%) Land $20,830 Building $242,230	$789,180 (+1%) Land $62,490 Building $726,690
2024	$15,413.00 (+22.84%)	$239,150 (+19.9%) Land $18,940 Building $220,210	$717,450 (+19.9%) Land $56,820 Building $660,630
2022	$12,547.00 Homeowner's exemption Senior Citizen's exemption	$199,460 Land $15,800 Building $183,660	$598,380 Land $47,400 Building $550,980

Assessed value is set for property tax purposes, not a market price estimate; it is 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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