1033 N State Rd, Flora, IL 62839 Property Records

Clay County property record for 1033 N State Rd, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 964 sqft · built 1945
Lot Size	0.214 acres (9,331 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Jun 2025)
Tax Bill	$1,878 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2022 Sale + 7 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-214-003`

Property Details

APN / Parcel Number

Primary APN	`10-26-214-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	964 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	9,331 sqft (0.214 acres)
Porch	Slab
Porch Area	140 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	1033 N MAIN ST
City	FLORA
State	IL
Zip	62839
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	RIDER'S ADDN BLOCK 1 LOT 5
Legal Subdivision	RIDERS ADD
Legal Block	1
Legal Lot Number	5
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1022
Census Tract	972100

Owner

1033 N State Rd, a residential property, is owned by two individuals who bought it in June 2025.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1033 N STATE RD, FLORA, IL 62839-1048
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 9, 2026	Deed of Trust, Mortgage · Line of Credit FLORA BANK AND TRUST
Nov 7, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNERS SAV BANK
Jan 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNERS SAV BANK
Jan 19, 2021	Contract Sale, Transfer
Jul 5, 2018	Warranty Deed, Transfer · Conventional Mortgage FLORA SAVINGS BANK
May 2, 2018	Quit Claim Deed, Transfer Quitclaim
May 22, 2017	Quit Claim Deed, Transfer Quitclaim
May 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on File
Deed Sale	Jun 2, 2025 · Amount on File
Prior Sale	Jan 19, 2021 · Amount on File
Deed Document Number	2025211902
Prior Transfer Date	Apr 30, 2018
Prior Transfer Doc	2018D194103
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Jun 9, 2026
Property Address	1033 N MAIN ST, FLORA, IL 62839
Document Number	0000001099
Instrument Date	Jun 1, 2026
Instrument	20261099
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001099,
Date	Jun 9, 2026
Instrument	20261099

Lender

Name	FLORA BANK AND TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 7, 2022
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Document Number	0000206041
Instrument Date	Nov 7, 2022
Instrument	206041
Transaction Type	Transfer
Record Updated	Nov 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$64.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 HEMLOCK LN, FLORA, IL 62839-3442

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D196499
Date	Apr 26, 2019
Instrument	D196499

Lender

Name	COMMUNITY PARTNERS SAV BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	84 Months
Due	Nov 1, 2019

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D198139
Date	Jan 7, 2020
Instrument	D198139

Lender

Name	COMMUNITY PARTNERS SAV BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

January 2021: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	CLAY IL
Recording Date	Jan 19, 2021
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Document Number	0000200911
Instrument Date	May 28, 2020
Instrument	200911
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jul 5, 2018
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Document Number	000D194560
Instrument Date	Jun 29, 2018
Instrument	D194560
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67.50
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	322 N LOCUST ST, FLORA, IL 62839-2016

Mortgage

Document Number	000D194561
Date	Jul 5, 2018
Instrument	D194561

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 31, 2019

Interest

Rate Type	Fixed Rate

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	May 2, 2018
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Document Number	2018D194103
Map Reference	DB 131 PG 562
Instrument Date	Apr 30, 2018
Instrument	2018D194103
Transaction Type	Transfer
Record Updated	Aug 4, 2022

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	PO BOX 539, FLORA, IL 62839-0539

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	May 22, 2017
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Document Number	D191749
Map Reference	BK 131 PG 562
Instrument Date	Apr 26, 2017
Instrument	D191749
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1033 N STATE RD, FLORA, IL 62839-1048

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	May 22, 2017
Property Address	1033 N STATE RD, FLORA, IL 62839-1048
Document Number	000D191749
Map Reference	BK 131 PG 562
Instrument Date	Apr 26, 2017
Instrument	D191749
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1033 N STATE RD, FLORA, IL 62839-1048

Tax Assessment & Valuation

The 2025 property tax bill for 1033 N State Rd was $1,878, up 4.9% from the year before.

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	$1,878.00 (+4.86%)	$24,537 (+11.45%) Land $3,960 Building $20,577	$73,611 (+11.45%) Land $11,880 Building $61,731
2024	$1,791.00	$22,016 Land $3,553 Building $18,463	$66,048 Land $10,659 Building $55,389
2022	$1,199.00 (+10.3%) Homeowner's exemption	$18,590 Land $2,999 Building $15,591	$55,770 Land $8,997 Building $46,773
2021	$1,087.00

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

FEMA maps place 1033 N State Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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

Wildfire risk around 1033 N State Rd 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	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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