11 Bear Dr, Xenia, IL 62899 Property Records

Clay County property record for 11 Bear Dr, Xenia, IL 62899

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (May 2023)
Tax Bill	$6,348 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Dec 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-32-300-024`

Property Details

APN / Parcel Number

Primary APN	`05-32-300-024`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	11 BEAR DR
City	XENIA
State	IL
Zip	62899-2082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 32-4-5 5 AC IN PT OF E/2 SE SW & PT W/2 SW SE LYING W OF RD 5 AC
Legal Range	05
Legal Township	04
Legal Section	32
Jurisdiction	CLAY IL
Township / Civil Division	OSKALOOSA
Census Block Group	3
Census Block	3070
Census Tract	972000

Owner

11 Bear Dr is owned and occupied by two individuals who bought it in May 2023.

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 File
Mailing Address	11 BEAR DR, XENIA, IL 62899-2082
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK
Dec 19, 2017	Deed of Trust, Mortgage · Construction Mortgage MARION COUNTY SAVINGS BANK
Aug 1, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY PARTNERS SAV BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Prior Sale	Aug 1, 2019 · Amount on File
Deed Document Number	2023207270
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	May 18, 2023
Property Address	11 BEAR DR, XENIA, IL 62899-2082
Document Number	0000207270
Instrument Date	May 18, 2023
Instrument	207270
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 BEAR DR, XENIA, IL 62899-2082

Mortgage

Document Number	0000207271
Date	May 18, 2023
Instrument	207271

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	11 BEAR DR, XENIA, IL 62899-2082
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D193152
Date	Dec 19, 2017
Instrument	D193152

Lender

Name	MARION COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Aug 1, 2019
Property Address	11 BEAR DR, XENIA, IL 62899-2082
Document Number	D197118
Instrument Date	Jul 30, 2019
Instrument	D197118
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
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	11 BEAR DR, XENIA, IL 62899-2082

Mortgage

Document Number	000D197119
Date	Aug 1, 2019
Instrument	D197119

Lender

Name	COMMUNITY PARTNERS SAV BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 11 Bear Dr was $6,348 with a homeowner's exemption, up 5.1% 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	Oskaloosa Township
Unified School District	North Clay Community Unit School District 25 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,348.00 (+5.1%) Homeowner's exemption	$121,557 Land $8,974 Building $112,583	$364,671 Land $26,922 Building $337,749
2024	$6,040.00
2022	$4,506.00 (-1.18%) Homeowner's exemption	$75,399 Land $6,737 Building $68,662	$226,197 Land $20,211 Building $205,986
2021	$4,560.00

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 11 Bear Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 11 Bear Dr 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bear Dr

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