1015 N Locust St, Flora, IL 62839 Property Records

Clay County property record for 1015 N Locust St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,164 sqft · built 1950
Lot Size	0.272 acres (11,881 sqft)
Owner	Individual Name on Record
Last Sale	$79,900 (Feb 2023)
Tax Bill	$1,763 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-101-005`

Property Details

APN / Parcel Number

Primary APN	`10-25-101-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,164 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	11,881 sqft (0.272 acres)
Driveway	Concrete Driveway
Driveway Area	598 sqft
Porch	Slab
Porch Area	42 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1015 N LOCUST ST
City	FLORA
State	IL
Zip	62839-1841
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SAMUEL WHITE'S 2ND ADDN PARCEL E EX W 107.54' OUT BLOCK 6
Legal Subdivision	SAMUEL WHITES 2ND ADD
Legal Block	6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3029
Census Tract	972100

Owner

Source: Clay County records, as of October 15, 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	Individual Name on Record
Mailing Address	1015 N LOCUST ST, FLORA, IL 62839-1841
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD
Feb 3, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
May 17, 2019	Warranty Deed, Transfer · FHA Mortgage US BANK NA
Sep 18, 2018	Warranty Deed, Transfer
Sep 18, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2023 · Amount on Record
Deed Sale	Feb 3, 2023 · Amount on Record
Prior Sale	May 17, 2019 · Amount on Record
Deed Document Number	2023206617
Prior Transfer Date	Aug 30, 2018
Prior Transfer Doc	000D195075
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1015 N LOCUST ST, FLORA, IL 62839-1841
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202027
Date	Jun 4, 2021
Instrument	202027

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Feb 3, 2023
Property Address	1015 N LOCUST ST, FLORA, IL 62839-1841
Document Number	0000206617
Map Reference	BK C PG 49
Instrument Date	Jan 27, 2023
Instrument	206617
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 N LOCUST ST, FLORA, IL 62839-1841

Mortgage

Document Number	0000206618
Date	Feb 3, 2023
Instrument	206618

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	May 17, 2019
Property Address	1015 N LOCUST ST, FLORA, IL 62839-1841
Document Number	000D196631
Map Reference	BK C PG 49
Instrument Date	May 17, 2019
Instrument	D196631
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 N LOCUST ST, FLORA, IL 62839-1841

Mortgage

Document Number	000D196632
Date	May 17, 2019
Instrument	D196632

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Sep 18, 2018
Property Address	1015 N LOCUST ST, FLORA, IL 62839-1841
Document Number	000D195079
Map Reference	BK C PG 49
Instrument Date	Sep 17, 2018
Instrument	D195079
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	271 HANCOCK DR, FLORA, IL 62839-4174

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Sep 18, 2018
Property Address	1015 N LOCUST ST, FLORA, IL 62839-1841
Document Number	000D195075
Map Reference	BK C PG 49
Instrument Date	Aug 30, 2018
Instrument	D195075
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 STARLING DR, LOUISVILLE, IL 62858-2964

Tax Assessment & Valuation

Source: Clay County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Clay County
County Subdivision	Harter Township
Municipality	Flora City
Unified School District	Flora Community Unit School District 35 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,763.00 (+8.09%) Homeowner's exemption	$29,029 (+6.19%) Land $4,091 Building $24,938	$87,087 (+6.19%) Land $12,273 Building $74,814
2024	$1,631.00 (-19.73%)
2022	$2,032.00 (+9.9%) Homeowner's exemption	$27,337 Land $3,023 Building $24,314	$82,011 Land $9,069 Building $72,942
2021	$1,849.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2015 · rainfall accumulation

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 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	FLORA serves 5,233 people · EPA ID IL0250100
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (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	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Wabash Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 500
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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