1046 N State Rd, Flora, IL 62839 Property Records

Clay County property record for 1046 N State Rd, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,664 sqft · built 1950
Lot Size	0.235 acres (10,256 sqft)
Owner	2 Individual Names on Record
Last Sale	$77,500 (Jun 2019)
Tax Bill	$2,317 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-101-004`

Property Details

APN / Parcel Number

Primary APN	`10-25-101-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

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	10,256 sqft (0.235 acres)
Garage Area	672 sqft
Driveway	Asphalt Driveway
Driveway Area	945 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	16 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1046 N STATE RD
City	FLORA
State	IL
Zip	62839-1047
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SAMUEL WHITE'S 2ND ADDN W 107.5' OF PARCEL E & D 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	2 Individual Names on Record
Mailing Address	1046 N STATE RD, FLORA, IL 62839-1047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage TRUSTBANK
Jun 21, 2019	Warranty Deed, Transfer · Conventional Mortgage TRUSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Deed Document Number	20196851
Prior Transfer Date	Jun 23, 2011
Prior Transfer Doc	174115
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1046 N STATE RD, FLORA, IL 62839-1047
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204737
Date	May 6, 2022
Instrument	204737

Lender

Name	TRUSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 18, 2027

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jun 21, 2019
Property Address	1046 N STATE RD, FLORA, IL 62839-1047
Document Number	000D196851
Instrument Date	Jun 18, 2019
Instrument	D196851
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.25
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	1046 N STATE RD, FLORA, IL 62839-1047

Mortgage

Document Number	000D196852
Date	Jun 21, 2019
Instrument	D196852

Lender

Name	TRUSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 18, 2020

Interest

Rate Type	Fixed Rate

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	$2,317.00 (+7.27%) Homeowner's exemption	$36,271 (+11.45%) Land $4,091 Building $32,180	$108,813 (+11.45%) Land $12,273 Building $96,540
2024	$2,160.00 (+5.99%)	$32,545 (+18.75%) Land $3,671 Building $28,874	$97,635 (+18.75%) Land $11,013 Building $86,622
2022	$2,038.00 (+9.87%) Homeowner's exemption	$27,406 Land $3,023 Building $24,383	$82,218 Land $9,069 Building $73,149
2021	$1,855.00

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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