1. Home
  2. Illinois
  3. Champaign County
  4. Champaign
  5. Bay Cir

3908 Bay Cir, Champaign, IL 61822 Property Records

Champaign County property record for 3908 Bay Cir, Champaign, IL 61822

Property Summary

Property TypeCondominium
OwnerCompany Name on File
Last Sale$447,500 (Sep 2023)
Tax Bill$2,318 (2022)
Deeds & MortgagesNov 2023 Construction Loan
Jan 2023 Construction Loan
+ 3 more
Flood ZoneZone X (minimal risk)
APN462035151038

Property Details

APN / Parcel Number

Primary APN462035151038

Location & Zoning

Street Address3908 BAY CIR
CityCHAMPAIGN
StateIL
Zip61822-8613
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal Description2020R05206
Legal Lot Number2020R05
JurisdictionCHAMPAIGN IL
Township / Civil DivisionCHAMPAIGN CITY
Census Block Group3
Census Block3015
Census Tract1302

Owner

Source: Champaign County records · APN 462035151038

Assessment roll updated January 1, 2022 · Last verified May 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Co-ownerVerified Secondary Owner
Mailing Address3910 BAY CIR, CHAMPAIGN, IL 61822-8613
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Nov 28, 2023Deed of Trust, Mortgage · Construction Mortgage
HEARTLAND BANK & TRUST CO
Jan 05, 2023Deed of Trust, Mortgage · Construction Mortgage
HEARTLAND BANK & TRUST CO
Jan 05, 2023Deed of Trust, Mortgage · Construction Mortgage
HEARTLAND BANK & TRUST CO
Sep 25, 2023Deed, Subdivision Related Transfer
ATTORNEY ONLY, ATTORNEY
Jul 03, 2023Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
BUSEY BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 25, 2023 · Amount on Record
Deed SaleSep 25, 2023 · Amount on Record
Prior SaleJul 03, 2023 · Amount on Record
Deed Document Number2023R13735
Record UpdatedJun 07, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHAMPAIGN IL
Property Address3908 BAY CIR, CHAMPAIGN, IL 61822-8613
Transaction TypeMortgage
Record UpdatedDec 06, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000016761
DateNov 28, 2023
Instrument2023R16761
Lender
NameHEARTLAND BANK & TRUST CO
TypeBank
AddressCHAMPAIGN, IL 61821
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term9 Months
DueAug 20, 2024
Interest
Rate TypeAdjustable Rate

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHAMPAIGN IL
Property Address3908 BAY CIR, CHAMPAIGN, IL 61822-8613
Transaction TypeMortgage
Record UpdatedOct 04, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000204
DateJan 05, 2023
Instrument2023R00204
Lender
NameHEARTLAND BANK & TRUST CO
TypeBank
AddressCHAMPAIGN, IL 61821
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHAMPAIGN IL
Property Address3908 BAY CIR, CHAMPAIGN, IL 61822-8613
Transaction TypeMortgage
Record UpdatedOct 04, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000201
DateJan 05, 2023
Instrument2023R00201
Lender
NameHEARTLAND BANK & TRUST CO
TypeBank
AddressCHAMPAIGN, IL 61821
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

September 2023: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionCHAMPAIGN IL
Recording DateSep 25, 2023
Property Address3908 BAY CIR, CHAMPAIGN, IL 61822-8613
Document Number0000013735
Map ReferenceDOC 2023R06364
Instrument DateSep 20, 2023
Instrument2023R13735
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 04, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$447.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3910 BAY CIR, CHAMPAIGN, IL 61822-8613

July 2023: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionCHAMPAIGN IL
Recording DateJul 03, 2023
Property Address3908 BAY CIR, CHAMPAIGN, IL 61822-8613
Document Number0000008922
Map ReferenceDOC 2023R06364
Instrument DateJun 27, 2023
Instrument2023R08922
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 04, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$460.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3912 BAY CIR, CHAMPAIGN, IL 61822-8613

Mortgage

Document Number0000008923
DateJul 03, 2023
Instrument2023R08923
Lender
NameBUSEY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2053
Interest
Rate TypeAdjustable Rate
Rate5.87%
AdjustableAdjustable Rate Rider
Type Change DateJul 01, 2033
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.8%
Max Rate10.8%

Tax Assessment & Valuation

Source: Champaign County records · Assessment roll updated January 1, 2022 · Last verified May 2024

Property Jurisdictions

TypeName
StateIllinois
CountyChampaign County
County SubdivisionChampaign City Township
MunicipalityChampaign City
Unified School DistrictChampaign Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2022$2,318.00$26,210 Land $26,210$78,630 Land $78,630

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 14, 2021 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
WH i3B Bidco LLC/WH i3B Topco
Fiber		8,000 / 8,000
Xfinity
Cable		1,200 / 35
AMG Technology Investment Group
Fixed Wireless		500 / 100
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20
Mediacom Communications
Fixed Wireless		100 / 20

May also be available: AT&T.

Based on FCC filings for 21 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemIL AMERICAN-CHAMPAIGN
private · serves 150,000 people
Water SourceGroundwater
Last State InspectionSep 2025
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Bay Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures