20 Bay Rdg, Springfield, IL 62712 Property Records

Sangamon County property record for 20 Bay Rdg, Springfield, IL 62712

Property Summary

Property Type	Single Family Home
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$186,500 (Apr 2009)
Tax Bill	$7,753 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-03.0-176-005`

Property Details

APN / Parcel Number

Primary APN	`29-03.0-176-005`
Alternative APN	`29030176005 (CHECK DIGIT = 0)`

Exterior

Lot Area	39,204 sqft (0.9 acres)

Location & Zoning

Account Number	29030176005
Street Address	20 BAY RDG
City	SPRINGFIELD
State	IL
Zip	62712-8608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	TRACT 29 SEC 3 SOUTH SIXTH ST BRIDGE AREA (AKA BAY RIDGE) SPFLD LAKE LANDS 3-14-5
Legal Range	05
Legal Township	14
Legal Section	03
Legal Tract	29
Jurisdiction	SANGAMON IL
Township / Civil Division	CAPITAL
Census Block Group	4
Census Block	4041
Census Tract	3100

Owner

20 Bay Rdg is owned and occupied by an individual who bought it in April 2009.

Source: Sangamon County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	20 BAY RDG, SPRINGFIELD, IL 62712-8608
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
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK
Sep 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2009 · Amount on File
Deed Sale	Apr 1, 2009 · Amount on File
Prior Sale	Apr 1, 2008
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	20 BAY RDG, SPRINGFIELD, IL 62712-8608
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00149
Date	Jan 5, 2021
Instrument	2021R00149

Lender

Name	MARINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	20 BAY RDG, SPRINGFIELD, IL 62712-8608
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R23424
Date	Sep 1, 2020
Instrument	2020R23424

Lender

Name	MARINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 26, 2021

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	20 BAY RDG, SPRINGFIELD, IL 62712-8608
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R06231
Date	Mar 8, 2021
Instrument	2021R06231

Lender

Name	MARINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 20 Bay Rdg was $7,753 with a homeowner's exemption.

Source: Sangamon County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Sangamon County
County Subdivision	Capital Township
Municipality	Springfield City
Unified School District	Ball-Chatham Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,753.00	$119,730 Land $61,371 Building $58,359	$359,190 Land $184,113 Building $175,077
2022	$6,878.00 Homeowner's exemption	$96,754 Land $49,594 Building $47,160	$290,262 Land $148,782 Building $141,480

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Bay Rdg 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 May 4, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2016–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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 20 Bay Rdg 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 98% of the US · lower than 86% 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	SPRINGFIELD serves 117,444 people · EPA ID IL1671200
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Rise Broadband Fixed Wireless	300 / 60

May also be available: Nextlink.

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