708 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 708 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,249 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Oct 2023)
Tax Bill	$3,492 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2019 Re-recorded Document + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-005`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-005`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,249 sqft Base Area
1st Floor Area	1,249 sqft
Basement Area	1 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	708 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3158
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 2 PARK HILLS SUB ADD 8 23003253 3450/109 3444/216 3057/233 2999/319 2734/68 2206/86 2206/84 1616/294 962/330
Legal Subdivision	HILLS SUBDIVISION
Legal Block	2
Legal Lot Number	5
Jurisdiction	EFFINGHAM IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1061
Census Tract	950600

Owner

708 Bent Tree Dr is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	708 BENT TREE DR, EFFINGHAM, IL 62401-3158
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
Oct 10, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage DIETERICH BANK NA
Feb 28, 2019	Re-recorded Document ATTORNEY
Jan 29, 2019	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2023 · Amount on File
Deed Sale	Oct 10, 2023 · Amount on File
Prior Sale	Jan 29, 2019 · Amount on File
Deed Document Number	20233253
Prior Transfer Date	May 31, 2011
Prior Transfer Doc	002734/068
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	EFFINGHAM IL
Recording Date	Oct 10, 2023
Property Address	708 BENT TREE DR, EFFINGHAM, IL 62401-3158
Document Number	202323003253
Map Reference	MB 838 PG 63
Instrument Date	Oct 4, 2023
Instrument	202323003253
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 BENT TREE DR, EFFINGHAM, IL 62401-3158

Mortgage

Document Number	202323003254
Date	Oct 10, 2023
Instrument	202323003254

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

February 2019: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	EFFINGHAM IL
Recording Date	Feb 28, 2019
Property Address	708 BENT TREE DR, EFFINGHAM, IL 62401-3158
Document Number	003450/109
Book / Page	3450 / 109
Map Reference	MB 838 PG 63
Instrument Date	Jan 28, 2019
Instrument	201901900724
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1017 WABASH AVE, 1017, MATTOON, IL 61938-4137

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 455, EFFINGHAM, IL 62401-0455

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jan 29, 2019
Property Address	708 BENT TREE DR, EFFINGHAM, IL 62401-3158
Document Number	003444/216
Book / Page	3444 / 216
Map Reference	MB 838 PG 63
Instrument Date	Jan 28, 2019
Instrument	201901900348
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$202.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	PO BOX 455, EFFINGHAM, IL 62401-0455

Tax Assessment & Valuation

The 2025 property tax bill for 708 Bent Tree Dr was $3,492 with a homeowner's exemption, down 7.3% from the year before.

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	$3,492.00 (-7.25%) Homeowner's exemption	$67,910 (+10.01%) Land $17,110 Building $50,800	$203,730 (+10.01%) Land $51,330 Building $152,400
2024	$3,765.00	$61,730 Land $15,550 Building $46,180	$185,190 Land $46,650 Building $138,540
2022	$2,288.00	$51,480 Land $12,970 Building $38,510	$154,440 Land $38,910 Building $115,530

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 708 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 708 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 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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