709 Bent Tree Dr, Effingham, IL 62401 Property Records

Effingham County property record for 709 Bent Tree Dr, Effingham, IL 62401

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,222 sqft · built 1988
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (Nov 2017)
Tax Bill	$4,243 (2025)
Deeds & Mortgages	May 2026 Transfer Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-11-215-003`

Property Details

APN / Parcel Number

Primary APN	`03-11-215-003`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,222 sqft Base Area
1st Floor Area	1,222 sqft
Basement Area	1,222 sqft
Unfinished Basement	1,222 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	26,572 sqft (0.61 acres)
Garage Area	424 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	709 BENT TREE DR
City	EFFINGHAM
State	IL
Zip	62401-3159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 1 PARK HILLS ADD 8 3346/76 2928/88 1599/115 1343/302 1343/227 1285/186 1206/77 1170/273 992/350
Legal Subdivision	PARK HILLS ADDITION
Legal Block	1
Legal Lot Number	3
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	709 BENT TREE DR, EFFINGHAM, IL 62401-3159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jan 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF WATERLOO
Aug 29, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WEATHERFORD
Nov 6, 2017	Warranty Deed, Transfer AMERICAN TITLE COMPANY, AMERICAN TITLE GURANTAY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2017 · Amount on Record
Deed Sale	Nov 6, 2017 · Amount on Record
Prior Sale	Jul 19, 2016 · Amount on Record
Deed Document Number	20171705167
Deed Book / Page	3346 / 76
Last Transfer Date	Apr 29, 2026
Transfer Doc	0000001677
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	EFFINGHAM IL
Recording Date	May 8, 2026
Property Address	709 BENT TREE DR, EFFINGHAM, IL 62401-3159
Document Number	0000001677
Instrument Date	Apr 29, 2026
Instrument	20261677
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 BENT TREE DR, EFFINGHAM, IL 62401-3159

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	709 BENT TREE DR, EFFINGHAM, IL 62401-3159
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3274/078
Date	Jan 24, 2017
Book Page	3274/078
Instrument	201701700368

Lender

Name	FIRST NATIONAL BANK OF WATERLOO
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate	4.37%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EFFINGHAM IL
Property Address	709 BENT TREE DR, EFFINGHAM, IL 62401-3159
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BARRISTER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3330/158
Date	Aug 29, 2017
Book Page	3330/158
Instrument	201701704166

Lender

Name	FIRST NATIONAL BANK OF WEATHERFORD
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Nov 6, 2017
Property Address	709 BENT TREE DR, EFFINGHAM, IL 62401-3159
Document Number	3346/076
Book / Page	3346 / 076
Map Reference	MB 838 PG 63
Instrument Date	Nov 1, 2017
Instrument	201701705167
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE GURANTAY

Transaction

Amount	Amount Recorded
Tax	$208.00
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	709 BENT TREE DR, EFFINGHAM, IL 62401-3159

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	$4,243.00 (-6.79%) Homeowner's exemption Senior Citizen's exemption	$86,220 (+1%) Land $21,360 Building $64,860	$258,660 (+1%) Land $64,080 Building $194,580
2024	$4,552.00	$78,380 Land $19,420 Building $58,960	$235,140 Land $58,260 Building $176,880

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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